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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