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Citizens State Bank and Trust Co., Ellsworth, Kansas

Ellsworth, KS · Cert 11778 · CSB Bancshares Amended Esop

State charter, Fed member · FED · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

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 in KS (n=98). 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

8

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

47

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 and Trust Co., Ellsworth, Kansas

Ellsworth, KS · Cert 11778 · CSB Bancshares Amended Esop

State charter, Fed member · FED · 6 branches

Q2 2026

$275.9MAssets
$170.4MLoans
$211.4MDeposits
$21.3MEquity
Loan mix
91%RE $123.2M3%C&I $4.6M5%Consumer $6.9MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $169.9M20%Noninterest $41.5MQ2 2025Q2 2026

NIM

4.38%Q2 ’244.58%Q2 ’254.83%Q2 ’26+10%+17%

Non-interest income vs. expense

2.11%Q2 ’242.11%Q2 ’252.30%Q2 ’26-3%+9%

Executive Summary

  • Earnings: ROA of 1.24%, up 23 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.12% of loans (+6 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.74%, up 34 bps from a year ago.
  • Funding: loans stand at 80.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+45 bps YoY

Efficiency Ratio (YTD, annualized)

59.28%-321 bps YoY

Tier 1 Leverage Ratio

9.74%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.04%1.03%1.22%1.24%+23 bps
Return on Equity16.22%15.83%15.32%16.24%16.45%+23 bps
Net Interest Margin2.61%2.72%2.66%3.07%3.06%+45 bps
Efficiency Ratio62.49%62.26%62.40%59.83%59.28%-321 bps
Non-Interest Burden1.33%1.38%1.35%1.50%1.45%+13 bps
Growth
Asset Growth (YoY)2.20%3.66%5.91%4.34%4.85%+265 bps
Loan Growth (YoY)5.09%6.66%8.73%7.34%4.87%-23 bps
Deposit Growth (YoY)4.34%4.60%7.90%6.39%5.89%+156 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.08%0.06%0.08%0.12%+6 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.02%0.01%-1 bps
Allowance / Loans1.17%1.16%1.18%1.21%1.19%+2 bps
Allowance Coverage of NPLs20.5x15.0x21.2x14.9x10.0x-10.5x
Capital
Tier 1 Leverage Ratio9.40%9.78%9.61%9.58%9.74%+34 bps
Total Risk-Based Capital18.23%18.24%9.61%9.58%9.74%-849 bps
Equity / Assets6.97%7.51%7.39%7.60%7.71%+73 bps
Liquidity & Funding
Loans / Deposits81.41%85.67%77.75%77.73%80.62%-79 bps
Liquid Assets / Assets3.37%1.82%6.54%4.25%3.30%-7 bps
CRE / Total Capitaln/a56.71%56.66%54.13%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 and Trust Co., Ellsworth, Kansas

Ellsworth, KS · Cert 11778 · Peer group: banks under $1B in assets in KS (n=98) · CSB Bancshares Amended Esop

State charter, Fed member · FED · 6 branches

Q2 2026

$275.9MAssets
$170.4MLoans
$211.4MDeposits
$21.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 83% of banks under $1B in assets in KS (rank 17 of 98).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in KS (rank 93 of 98).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.25%

Rank 48 of 98

Net Interest Margin

3.06%

Rank 85 of 98

Efficiency Ratio

59.28%

Rank 53 of 98

Equity / Assets

7.71%

Rank 85 of 98

Non-interest income vs. expense

$2.4M$6.6MINCOMEEXPENSE
Unfavorable gap of $4.2M · efficiency ratio beats 47% of banks under $1B in assets in KS
Bank 59.28%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.25%1.03%1.24%1.54%Beats 51%48 / 98
Return on Equity16.21%8.85%11.58%14.73%Beats 83%17 / 98
Net Interest Margin3.06%3.24%3.62%3.91%Beats 13%85 / 98
Efficiency Ratio59.28%51.87%58.88%64.74%Beats 47%53 / 98
Asset Quality
Nonperforming Loans / Loans0.12%0.01%0.33%1.05%Beats 66%34 / 98
Net Charge-Offs / Loans0.01%n/a0.00%0.03%Beats 50%52 / 98
Capital
Tier 1 Capital Ratio9.74%11.81%13.71%17.33%Beats 5%93 / 98
Total Risk-Based Capital Ratio9.74%11.81%14.13%17.45%Beats 5%93 / 98
Equity / Assets7.71%8.60%11.34%13.10%Beats 13%85 / 98
Liquidity & Funding
Loans / Deposits80.62%57.09%69.84%82.47%71st pctl28 / 98
Loans / Assets61.77%49.34%58.31%68.94%56th pctl43 / 98
Brokered Deposits / Depositsn/aNot reported for this institution