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Letter portraitLegal landscapeQuarterYTD

Citizens Bank of Edina, The

Edina, MO · Cert 12457 · R Dean Phillips Bk Tr Dated 11-19-2004

State charter, non-member · FDIC · 6 affiliate banks · 1 branch (43 in holding)

Q2 2026

$106.7MAssets
$77.9MLoans
$90.9MDeposits
$15.2MEquity
Loan mix
76%RE $33.4M17%C&I $7.5M6%Consumer $2.8MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $63.5M30%Noninterest $27.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.25%, down 44 bps year over year; NIM at 5.00%.
  • Asset quality: problem loans at 1.45% of loans (+130 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 14.49%, up 127 bps from a year ago.
  • Funding: loans stand at 85.75% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

2.25%-44 bps YoY

Net Interest Margin (quarter, annualized)

5.00%+2 bps YoY

Efficiency Ratio (quarter, annualized)

39.48%+800 bps YoY

Tier 1 Leverage Ratio

14.49%+127 bps YoY

NIM

6.11%Q2 ’246.12%Q2 ’256.10%Q2 ’26+3%+0%

Non-interest income vs. expense

1.73%Q2 ’241.63%Q2 ’252.07%Q2 ’26-5%+27%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.65%2.52%2.41%2.69%2.53%2.68%1.99%2.25%-44 bps
Return on Equity21.17%19.90%19.17%20.86%18.40%19.04%14.15%15.75%-510 bps
Net Interest Margin4.98%4.83%4.81%4.98%5.02%4.92%4.79%5.00%+2 bps
Efficiency Ratio31.45%34.49%35.37%31.48%34.68%35.68%47.85%39.48%+800 bps
Non-Interest Burden1.39%1.48%1.53%1.43%1.55%1.54%2.16%1.82%+39 bps
Growth
Asset Growth (YoY)6.76%5.39%10.78%5.50%1.90%2.49%-1.20%2.33%-317 bps
Loan Growth (YoY)5.64%9.36%7.69%5.23%-0.60%2.11%6.02%11.82%+659 bps
Deposit Growth (YoY)5.14%4.04%10.12%4.24%0.28%0.91%-2.85%1.16%-308 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.67%0.01%0.15%0.11%0.04%0.02%1.45%+130 bps
Net Charge-Offs / Loans0.01%-0.01%0.00%0.00%0.00%0.00%0.00%-0.01%-1 bps
Allowance / Loans1.42%1.34%1.43%1.39%1.49%1.37%1.37%1.34%-6 bps
Allowance Coverage of NPLs13.2x2.0x107.8x9.1x13.0x36.7x70.7x0.9x-8.1x
Capital
Tier 1 Leverage Ratio12.78%12.76%12.78%13.22%14.07%14.50%14.18%14.49%+127 bps
Total Risk-Based Capital12.78%12.76%12.78%13.22%14.07%14.50%14.18%14.49%+127 bps
Equity / Assets12.87%12.51%12.62%13.17%14.30%13.87%14.30%14.21%+104 bps
Liquidity & Funding
Loans / Deposits79.40%79.32%74.68%77.57%78.69%80.27%81.50%85.75%+818 bps
Liquid Assets / Assets12.51%11.23%10.81%10.73%11.60%11.69%12.14%11.87%+114 bps
CRE / Total Capitaln/an/an/an/a46.08%46.95%46.47%n/an/a