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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 1.46%, up 30 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.39% of loans (+7 bps YoY), with net charge-offs at 0.03%.
  • 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 (YTD, annualized)

1.46%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.44%+33 bps YoY

Efficiency Ratio (YTD, annualized)

59.90%-131 bps YoY

Tier 1 Leverage Ratio

13.56%+47 bps YoY

NIM

4.43%Q2 ’244.74%Q2 ’254.74%Q2 ’26+5%+11%

Non-interest income vs. expense

2.12%Q2 ’242.14%Q2 ’252.28%Q2 ’26+2%+9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.17%1.08%1.15%1.12%1.13%1.59%1.46%+30 bps
Return on Equity9.38%10.91%9.97%10.81%10.31%10.25%13.18%11.96%+114 bps
Net Interest Margin2.88%2.93%3.11%3.11%3.16%3.18%3.48%3.44%+33 bps
Efficiency Ratio64.41%66.70%64.53%61.22%62.62%66.55%56.40%59.90%-131 bps
Non-Interest Burden1.72%1.82%1.87%1.75%1.83%1.99%1.80%1.91%+15 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 / Loans0.02%0.01%0.00%0.00%0.00%-0.02%0.07%0.03%+3 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