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Central State Bank

Clayton, IL · Cert 8487 · Clayton Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

79

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

91

Q2 2024Q2 2026peer median (50)

Liquidity

49

Q2 2024Q2 2026peer median

Efficiency

95

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central State Bank

Clayton, IL · Cert 8487 · Clayton Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$175.1MAssets
$115.1MLoans
$143.2MDeposits
$31.3MEquity
Loan mix
75%RE $82.1M13%C&I $14.5M12%Consumer $13.1MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $119.6M16%Noninterest $23.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.31%, up 67 bps year over year; NIM at 4.65%.
  • Asset quality: problem loans at 3.07% of loans (-198 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 17.92%, up 107 bps from a year ago.
  • Funding: loans stand at 80.37% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.31%+67 bps YoY

Net Interest Margin (YTD, annualized)

4.65%+84 bps YoY

Efficiency Ratio (YTD, annualized)

45.27%-844 bps YoY

Tier 1 Leverage Ratio

17.92%+107 bps YoY

NIM

5.95%Q2 ’245.88%Q2 ’256.45%Q2 ’26-4%+22%

Non-interest income vs. expense

2.44%Q2 ’242.40%Q2 ’252.41%Q2 ’260%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.55%1.58%1.64%0.96%1.12%2.68%2.31%+67 bps
Return on Equity10.49%9.63%9.81%10.10%5.86%6.86%15.68%13.31%+321 bps
Net Interest Margin3.97%3.95%3.68%3.81%3.90%3.93%5.22%4.65%+84 bps
Efficiency Ratio53.63%53.80%53.39%53.71%54.89%55.13%41.17%45.27%-844 bps
Non-Interest Burden1.80%1.81%1.67%1.74%1.85%1.87%1.81%1.73%-1 bps
Growth
Asset Growth (YoY)7.45%5.83%7.11%3.84%2.18%1.09%-1.67%-2.48%-632 bps
Loan Growth (YoY)4.01%2.68%0.54%0.03%-7.26%-10.62%-11.68%-13.31%-1,334 bps
Deposit Growth (YoY)7.04%5.44%6.95%3.19%1.94%0.38%-3.17%-4.16%-735 bps
Asset Quality
Nonperforming Loans / Loans3.16%3.95%4.64%5.05%4.48%4.44%3.66%3.07%-198 bps
Net Charge-Offs / Loans0.34%0.29%0.05%0.10%0.48%0.49%0.02%0.02%-8 bps
Allowance / Loans0.92%1.16%1.16%1.13%1.76%1.74%1.79%1.82%+69 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.2x0.4x0.4x0.5x0.6x+0.4x
Capital
Tier 1 Leverage Ratio16.92%16.64%16.87%16.85%16.60%17.01%17.84%17.92%+107 bps
Total Risk-Based Capital16.92%16.64%16.87%16.85%16.60%17.01%17.84%17.92%+107 bps
Equity / Assets16.38%16.09%16.14%16.42%16.55%16.75%17.45%17.85%+143 bps
Liquidity & Funding
Loans / Deposits95.34%92.32%87.53%88.85%86.75%82.20%79.83%80.37%-848 bps
Liquid Assets / Assets10.75%13.61%16.94%15.78%17.30%21.47%22.80%22.26%+649 bps
CRE / Total Capitaln/an/an/an/a31.19%28.01%24.59%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Central State Bank

Clayton, IL · Cert 8487 · Peer group: banks under $1B in assets in IL (n=149-151) · Clayton Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$175.1MAssets
$115.1MLoans
$143.2MDeposits
$31.3MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 98% of banks under $1B in assets in IL (rank 3 of 151).
  • Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets in IL (rank 133 of 149).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.33%

Rank 3 of 151

Net Interest Margin

4.65%

Rank 5 of 151

Efficiency Ratio

45.27%

Rank 8 of 151

Equity / Assets

17.85%

Rank 9 of 151

Non-interest income vs. expense

$1.2M$4.3MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 95% of banks under $1B in assets in IL
Bank 45.27%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.33%0.70%1.03%1.34%Beats 98%3 / 151
Return on Equity13.07%6.74%9.34%12.94%Beats 77%34 / 151
Net Interest Margin4.65%3.02%3.43%3.83%Beats 97%5 / 151
Efficiency Ratio45.27%54.64%64.89%72.50%Beats 95%8 / 151
Asset Quality
Nonperforming Loans / Loans3.07%0.20%0.66%1.77%Beats 11%133 / 149
Net Charge-Offs / Loans0.13%0.00%0.02%0.07%Beats 19%122 / 149
Capital
Tier 1 Capital Ratio17.92%11.83%14.17%18.66%Beats 72%43 / 151
Total Risk-Based Capital Ratio17.92%12.22%14.54%19.92%Beats 70%45 / 151
Equity / Assets17.85%9.10%10.65%12.40%Beats 94%9 / 151
Liquidity & Funding
Loans / Deposits80.37%54.39%71.02%80.75%74th pctl39 / 149
Loans / Assets65.76%45.91%61.31%68.01%64th pctl54 / 151
Brokered Deposits / Depositsn/aNot reported for this institution