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Citizens Community Bank

Hahira, GA · Cert 12079 · CCB Bancshares Inc.

State charter, non-member · FDIC · 4 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

50

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 Community Bank

Hahira, GA · Cert 12079 · CCB Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$221.9MAssets
$136.5MLoans
$200.0MDeposits
$14.7MEquity
Loan mix
87%RE $119.1M9%C&I $12.3M4%Consumer $5.0MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $133.6M33%Noninterest $66.4MQ2 2025Q2 2026

NIM

4.80%Q2 ’245.22%Q2 ’255.27%Q2 ’26+3%-1%

Non-interest income vs. expense

2.90%Q2 ’243.10%Q2 ’252.78%Q2 ’26+7%-13%

Market Position · Valdosta, GA · 2026 SOD (annual) · 5.3% share · #10 of 16 inst. · $0.2B of $3.8B

5.6% Lowndes
3.9% Brooks

Executive Summary

  • Earnings: ROA of 1.14%, up 26 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.89% of loans (+35 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 8.94%, down 205 bps from a year ago.
  • Funding: loans stand at 68.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.75%-3 bps YoY

Efficiency Ratio (YTD, annualized)

64.49%-694 bps YoY

Tier 1 Leverage Ratio

8.94%-205 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.99%1.04%1.22%1.14%+26 bps
Return on Equity11.37%12.34%13.54%18.69%17.29%+593 bps
Net Interest Margin3.79%3.89%3.89%3.84%3.75%-3 bps
Efficiency Ratio71.43%69.32%68.36%62.66%64.49%-694 bps
Non-Interest Burden2.54%2.51%2.47%2.19%2.22%-32 bps
Growth
Asset Growth (YoY)6.38%10.99%4.77%5.84%8.94%+256 bps
Loan Growth (YoY)12.49%19.83%12.49%16.03%11.89%-60 bps
Deposit Growth (YoY)8.19%11.07%2.62%4.02%7.27%-92 bps
Asset Quality
Nonperforming Loans / Loans0.54%0.81%0.79%0.77%0.89%+35 bps
Net Charge-Offs / Loans0.03%0.04%0.04%0.12%0.08%+5 bps
Allowance / Loans1.20%1.19%1.17%1.17%1.23%+3 bps
Allowance Coverage of NPLs2.2x1.5x1.5x1.5x1.4x-0.8x
Capital
Tier 1 Leverage Ratio10.99%11.20%9.01%8.99%8.94%-205 bps
Total Risk-Based Capital18.25%18.42%14.22%14.55%14.75%-350 bps
Equity / Assets7.92%8.80%6.57%6.53%6.62%-129 bps
Liquidity & Funding
Loans / Deposits65.45%68.92%69.88%69.33%68.26%+282 bps
Liquid Assets / Assets5.11%2.48%3.15%6.00%4.92%-19 bps
CRE / Total Capitaln/a252%336%347%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 Community Bank

Hahira, GA · Cert 12079 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · CCB Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$221.9MAssets
$136.5MLoans
$200.0MDeposits
$14.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 91% of banks under $1B in assets operating in a single state (rank 68 of 746).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets operating in a single state (rank 714 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.11%

Rank 347 of 746

Net Interest Margin

3.75%

Rank 349 of 746

Efficiency Ratio

64.49%

Rank 371 of 746

Equity / Assets

6.62%

Rank 714 of 746

Non-interest income vs. expense

$1.3M$6.3MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 50% of banks under $1B in assets operating in a single state
Bank 64.49%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%0.72%1.06%1.45%Beats 53%347 / 746
Return on Equity16.76%6.74%10.51%13.63%Beats 91%68 / 746
Net Interest Margin3.75%3.17%3.68%4.16%Beats 53%349 / 746
Efficiency Ratio64.49%55.74%64.58%75.47%Beats 50%371 / 746
Asset Quality
Nonperforming Loans / Loans0.89%0.09%0.42%1.07%Beats 30%519 / 743
Net Charge-Offs / Loans0.06%0.00%0.01%0.05%Beats 22%582 / 743
Capital
Tier 1 Capital Ratio13.57%11.55%13.75%17.60%Beats 48%390 / 746
Total Risk-Based Capital Ratio14.75%11.71%14.33%18.43%Beats 53%349 / 746
Equity / Assets6.62%8.90%10.51%13.06%Beats 4%714 / 746
Liquidity & Funding
Loans / Deposits68.27%61.31%78.27%90.78%33rd pctl499 / 746
Loans / Assets61.52%53.60%66.97%76.08%38th pctl461 / 746
Brokered Deposits / Depositsn/aNot reported for this institution