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Letter portraitLegal landscapeQuarterYTD

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