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Citizens Savings Bank

Anamosa, IA · Cert 10125 · First Cmty Bancshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

52

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

Citizens Savings Bank

Anamosa, IA · Cert 10125 · First Cmty Bancshares Corp.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (3 in holding)

Q2 2026

$165.9MAssets
$69.4MLoans
$151.3MDeposits
$12.9MEquity
Loan mix
81%RE $44.8M17%C&I $9.2M2%Consumer $1.0MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $130.2M14%Noninterest $21.1MQ3 2024Q2 2026

Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 1.3% share · #16 of 35 inst. · $0.1B of $8.8B

15.8% Jones
8.0% Cedar

Executive Summary

  • Earnings: ROA of 0.83%, up 13 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.50%, down 11 bps from a year ago.
  • Funding: loans stand at 45.84% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.83%+13 bps YoY

Net Interest Margin (YTD, annualized)

2.81%+23 bps YoY

Efficiency Ratio (YTD, annualized)

63.90%-305 bps YoY

Tier 1 Leverage Ratio

9.50%-11 bps YoY

NIM

3.76%Q2 ’244.02%Q2 ’254.06%Q2 ’26+1%+9%

Non-interest income vs. expense

1.93%Q2 ’241.84%Q2 ’251.91%Q2 ’26-4%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.65%0.68%0.70%0.73%0.73%0.75%0.83%+13 bps
Return on Equity10.65%10.81%10.67%10.52%10.77%10.56%10.03%10.97%+45 bps
Net Interest Margin2.61%2.44%2.54%2.58%2.66%2.65%2.83%2.81%+23 bps
Efficiency Ratio70.22%70.13%66.79%66.95%65.77%65.80%65.72%63.90%-305 bps
Non-Interest Burden1.77%1.66%1.65%1.67%1.69%1.68%1.80%1.73%+6 bps
Growth
Asset Growth (YoY)4.26%6.45%6.84%3.03%3.41%-0.66%3.23%6.89%+385 bps
Loan Growth (YoY)1.65%13.49%11.10%11.97%19.14%11.31%10.17%5.89%-607 bps
Deposit Growth (YoY)2.25%7.31%6.22%2.92%2.72%-2.69%2.26%6.44%+352 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.01%-0.01%-0.01%-0.01%-0.01%0 bps
Allowance / Loans1.16%1.06%1.07%1.05%1.00%0.99%1.02%1.04%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.22%9.45%9.38%9.61%9.83%9.59%9.66%9.50%-11 bps
Total Risk-Based Capital19.43%18.63%18.57%18.68%17.03%17.86%18.12%18.36%-32 bps
Equity / Assets6.13%6.37%6.42%7.29%6.91%7.72%7.21%7.79%+51 bps
Liquidity & Funding
Loans / Deposits37.90%43.32%41.01%46.08%43.96%49.55%44.19%45.84%-24 bps
Liquid Assets / Assets37.28%32.89%37.35%32.17%34.72%31.51%36.12%29.77%-240 bps
CRE / Total Capitaln/an/an/an/a65.88%68.08%62.38%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

Citizens Savings Bank

Anamosa, IA · Cert 10125 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Cmty Bancshares Corp.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (3 in holding)

Q2 2026

$165.9MAssets
$69.4MLoans
$151.3MDeposits
$12.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: equity / assets trails 88% of banks under $1B in assets operating in a single state (rank 660 of 746).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.83%

Rank 498 of 746

Net Interest Margin

2.81%

Rank 659 of 746

Efficiency Ratio

63.90%

Rank 357 of 746

Equity / Assets

7.79%

Rank 660 of 746

Non-interest income vs. expense

$0.3M$3.2MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state
Bank 63.90%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.83%0.72%1.06%1.45%Beats 33%498 / 746
Return on Equity10.71%6.74%10.51%13.63%Beats 52%357 / 746
Net Interest Margin2.81%3.17%3.68%4.16%Beats 12%659 / 746
Efficiency Ratio63.90%55.74%64.58%75.47%Beats 52%357 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio17.57%11.55%13.75%17.60%Beats 75%188 / 746
Total Risk-Based Capital Ratio18.36%11.71%14.33%18.43%Beats 75%188 / 746
Equity / Assets7.79%8.90%10.51%13.06%Beats 12%660 / 746
Liquidity & Funding
Loans / Deposits45.84%61.31%78.27%90.78%9th pctl679 / 746
Loans / Assets41.82%53.60%66.97%76.08%12th pctl660 / 746
Brokered Deposits / Depositsn/aNot reported for this institution