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Citizens State Bank of Arlington

Arlington, SD · Cert 1118

State charter, Fed member · FED · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

62

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens State Bank of Arlington

Arlington, SD · Cert 1118

State charter, Fed member · FED · 3 branches

Q2 2026

$153.2MAssets
$74.3MLoans
$134.9MDeposits
$17.1MEquity
Loan mix
89%RE $46.6M7%C&I $3.9M4%Consumer $2.2MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $123.8M8%Noninterest $11.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.92%, up 30 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.74%, down 21 bps from a year ago.
  • Funding: loans stand at 55.05% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.92%+30 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+35 bps YoY

Efficiency Ratio (YTD, annualized)

60.30%-930 bps YoY

Tier 1 Leverage Ratio

11.74%-21 bps YoY

NIM

3.95%Q2 ’244.34%Q2 ’254.56%Q2 ’26+11%+15%

Non-interest income vs. expense

1.94%Q2 ’241.77%Q2 ’251.71%Q2 ’26-6%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.42%0.57%0.62%0.66%0.66%0.80%0.92%+30 bps
Return on Equity3.17%4.34%5.41%5.85%6.04%6.04%7.28%8.30%+245 bps
Net Interest Margin2.17%2.22%2.40%2.43%2.49%2.51%2.65%2.78%+35 bps
Efficiency Ratio83.23%78.70%71.84%69.60%67.93%68.06%63.20%60.30%-930 bps
Non-Interest Burden1.80%1.70%1.71%1.68%1.67%1.69%1.65%1.65%-2 bps
Growth
Asset Growth (YoY)0.03%-5.52%1.46%2.05%-0.19%9.80%9.26%5.54%+348 bps
Loan Growth (YoY)14.06%7.36%6.41%3.66%2.17%0.14%-0.92%-5.69%-935 bps
Deposit Growth (YoY)-5.34%-1.25%1.20%5.24%4.70%8.82%8.96%5.22%-3 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.57%1.55%1.58%1.54%1.53%1.54%1.60%1.63%+9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.45%11.92%11.90%11.95%12.13%12.24%11.63%11.74%-21 bps
Total Risk-Based Capital11.45%11.92%11.90%11.95%12.13%12.24%11.63%11.74%-21 bps
Equity / Assets10.20%10.44%10.48%10.85%11.67%11.26%10.78%11.14%+29 bps
Liquidity & Funding
Loans / Deposits65.59%64.50%60.95%61.41%64.00%59.35%55.42%55.05%-636 bps
Liquid Assets / Assets5.11%6.05%11.90%10.64%7.38%12.78%10.80%8.74%-190 bps
CRE / Total Capitaln/an/an/an/a46.11%41.35%38.98%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens State Bank of Arlington

Arlington, SD · Cert 1118 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, Fed member · FED · 3 branches

Q2 2026

$153.2MAssets
$74.3MLoans
$134.9MDeposits
$17.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets operating in a single state (rank 665 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.92%

Rank 453 of 746

Net Interest Margin

2.78%

Rank 665 of 746

Efficiency Ratio

60.30%

Rank 288 of 746

Equity / Assets

11.14%

Rank 312 of 746

Non-interest income vs. expense

$0.1M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 62% of banks under $1B in assets operating in a single state
Bank 60.30%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.92%0.72%1.06%1.45%Beats 39%453 / 746
Return on Equity8.22%6.74%10.51%13.63%Beats 35%484 / 746
Net Interest Margin2.78%3.17%3.68%4.16%Beats 11%665 / 746
Efficiency Ratio60.30%55.74%64.58%75.47%Beats 62%288 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio11.74%11.55%13.75%17.60%Beats 28%534 / 746
Total Risk-Based Capital Ratio11.74%11.71%14.33%18.43%Beats 26%550 / 746
Equity / Assets11.14%8.90%10.51%13.06%Beats 58%312 / 746
Liquidity & Funding
Loans / Deposits55.05%61.31%78.27%90.78%17th pctl618 / 746
Loans / Assets48.47%53.60%66.97%76.08%19th pctl607 / 746
Brokered Deposits / Depositsn/aNot reported for this institution