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Letter portraitLegal landscapeQuarterYTD

Citizens Bank Company, The

Beverly, OH · Cert 10266 · Muskingum Valley Bancshares

State charter, non-member · FDIC · 5 branches

Q2 2026

$334.6MAssets
$191.3MLoans
$291.0MDeposits
$41.8MEquity
Loan mix
86%RE $165.8M11%C&I $21.0M3%Consumer $6.2MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $222.5M24%Noninterest $68.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.33%, up 11 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.39% of loans (+7 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 13.56%, up 47 bps from a year ago.
  • Funding: loans stand at 65.71% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.33%+11 bps YoY

Net Interest Margin (quarter, annualized)

3.45%+28 bps YoY

Efficiency Ratio (quarter, annualized)

63.35%+529 bps YoY

Tier 1 Leverage Ratio

13.56%+47 bps YoY

NIM

4.52%Q2 ’244.84%Q2 ’254.74%Q2 ’26+6%+9%

Non-interest income vs. expense

2.13%Q2 ’242.07%Q2 ’252.43%Q2 ’26-2%+22%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%1.64%1.08%1.23%1.04%1.18%1.59%1.33%+11 bps
Return on Equity8.42%15.17%9.97%11.59%9.61%10.15%13.18%10.85%-74 bps
Net Interest Margin2.95%3.08%3.11%3.17%3.34%3.24%3.48%3.45%+28 bps
Efficiency Ratio67.25%73.17%64.53%58.05%65.21%78.15%56.40%63.35%+529 bps
Non-Interest Burden1.86%2.14%1.87%1.67%2.03%2.45%1.80%2.04%+37 bps
Growth
Asset Growth (YoY)5.73%5.22%5.91%6.03%3.38%3.24%2.29%0.67%-535 bps
Loan Growth (YoY)4.08%3.22%5.13%6.43%2.12%-1.77%-0.58%-6.06%-1,250 bps
Deposit Growth (YoY)2.88%4.64%7.82%6.96%5.88%5.86%1.72%2.53%-443 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.06%0.33%0.31%0.31%0.30%0.37%0.39%+7 bps
Net Charge-Offs / Loans0.00%-0.02%0.00%0.00%0.00%-0.06%0.07%-0.01%-1 bps
Allowance / Loans3.06%3.21%2.80%2.73%2.83%2.90%2.87%2.94%+21 bps
Allowance Coverage of NPLs40.2x57.2x8.5x8.7x9.3x9.5x7.8x7.6x-1.1x
Capital
Tier 1 Leverage Ratio12.50%12.87%13.11%13.09%13.08%13.33%13.79%13.56%+47 bps
Total Risk-Based Capital12.50%12.87%13.11%13.09%13.08%13.33%13.79%13.56%+47 bps
Equity / Assets10.86%10.80%10.92%10.29%11.32%11.99%12.09%12.48%+218 bps
Liquidity & Funding
Loans / Deposits70.98%71.26%69.51%71.72%68.46%66.13%67.93%65.71%-601 bps
Liquid Assets / Assets8.91%9.01%9.16%8.89%8.68%9.26%9.23%9.25%+37 bps
CRE / Total Capitaln/an/an/an/a162.15%158.37%149.57%n/an/a