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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