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Letter portraitLegal landscapeQuarterYTD

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 $9.9MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $366.5M10%Noninterest $41.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.63%, up 27 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 1.23% of loans (+34 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

1.63%+27 bps YoY

Net Interest Margin (quarter, annualized)

3.68%+24 bps YoY

Efficiency Ratio (quarter, annualized)

47.25%-671 bps YoY

Tier 1 Leverage Ratio

9.58%-76 bps YoY

NIM

4.75%Q2 ’245.10%Q2 ’255.16%Q2 ’26+13%+7%

Non-interest income vs. expense

2.13%Q2 ’242.17%Q2 ’252.04%Q2 ’26+6%-10%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.11%1.28%1.36%0.96%1.33%1.25%1.63%+27 bps
Return on Equity13.61%12.19%13.73%14.92%10.30%13.91%12.46%16.21%+129 bps
Net Interest Margin3.04%3.11%3.40%3.44%3.39%3.26%3.58%3.68%+24 bps
Efficiency Ratio56.80%59.19%56.36%53.95%53.84%51.24%54.88%47.25%-671 bps
Non-Interest Burden1.48%1.69%1.70%1.64%1.57%1.38%1.71%1.47%-17 bps
Growth
Asset Growth (YoY)11.45%1.38%3.23%11.31%3.06%20.11%6.21%-0.71%-1,202 bps
Loan Growth (YoY)15.12%8.37%4.48%4.15%4.78%3.80%4.24%6.12%+196 bps
Deposit Growth (YoY)9.51%1.15%4.56%12.45%2.22%20.01%4.76%-1.40%-1,384 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.42%0.27%0.89%2.13%1.67%1.57%1.23%+34 bps
Net Charge-Offs / Loans0.14%0.01%-0.03%0.01%0.32%2.04%-0.03%0.00%-1 bps
Allowance / Loans1.11%1.06%1.08%1.09%1.24%0.71%0.79%0.84%-25 bps
Allowance Coverage of NPLs2.2x2.5x4.0x1.2x0.6x0.4x0.5x0.7x-0.5x
Capital
Tier 1 Leverage Ratio9.90%10.07%10.61%10.34%10.23%10.48%10.84%9.58%-76 bps
Total Risk-Based Capital15.88%15.64%16.13%16.20%17.22%15.76%16.74%14.82%-138 bps
Equity / Assets9.10%9.18%9.43%8.79%9.81%9.40%10.69%9.41%+62 bps
Liquidity & Funding
Loans / Deposits69.26%76.21%74.61%68.83%70.99%65.91%74.23%74.08%+525 bps
Liquid Assets / Assets3.81%0.28%0.19%0.18%0.24%0.26%0.24%0.25%+7 bps
CRE / Total Capitaln/an/an/an/a76.09%74.89%71.53%n/an/a