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Citizens State Bank

Lena, IL · Cert 10474 · First Lena Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

$453.3MAssets
$301.8MLoans
$407.5MDeposits
$42.7MEquity
Loan mix
78%RE $140.1M16%C&I $29.4M6%Consumer $9.9MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $366.5M10%Noninterest $41.0MQ2 2025Q2 2026

NIM

4.68%Q2 ’244.95%Q2 ’255.06%Q2 ’26+10%+7%

Non-interest income vs. expense

2.19%Q2 ’242.16%Q2 ’252.16%Q2 ’26+2%-4%

Executive Summary

  • Earnings: ROA of 1.42%, up 11 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 1.23% of loans (+34 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.58%, down 76 bps from a year ago.
  • Funding: loans stand at 74.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+25 bps YoY

Efficiency Ratio (YTD, annualized)

50.99%-413 bps YoY

Tier 1 Leverage Ratio

9.58%-76 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.20%1.23%1.25%1.42%+11 bps
Return on Equity14.37%12.87%13.18%12.46%14.46%+8 bps
Net Interest Margin3.35%3.29%3.24%3.58%3.59%+25 bps
Efficiency Ratio55.13%54.68%53.80%54.88%50.99%-413 bps
Non-Interest Burden1.63%1.58%1.51%1.71%1.57%-6 bps
Growth
Asset Growth (YoY)11.31%3.06%20.11%6.21%-0.71%-1,202 bps
Loan Growth (YoY)4.15%4.78%3.80%4.24%6.12%+196 bps
Deposit Growth (YoY)12.45%2.22%20.01%4.76%-1.40%-1,384 bps
Asset Quality
Nonperforming Loans / Loans0.89%2.13%1.67%1.57%1.23%+34 bps
Net Charge-Offs / Loans-0.01%0.10%0.58%-0.03%-0.02%-1 bps
Allowance / Loans1.09%1.24%0.71%0.79%0.84%-25 bps
Allowance Coverage of NPLs1.2x0.6x0.4x0.5x0.7x-0.5x
Capital
Tier 1 Leverage Ratio10.34%10.23%10.48%10.84%9.58%-76 bps
Total Risk-Based Capital16.20%17.22%15.76%16.74%14.82%-138 bps
Equity / Assets8.79%9.81%9.40%10.69%9.41%+62 bps
Liquidity & Funding
Loans / Deposits68.83%70.99%65.91%74.23%74.08%+525 bps
Liquid Assets / Assets0.18%0.24%0.26%0.24%0.25%+7 bps
CRE / Total Capitaln/a76.09%74.89%71.53%n/an/a