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Citizens Community Bank

Pilot Grove, MO · Cert 12694 · Bancorp II Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$142.6MAssets
$96.4MLoans
$125.9MDeposits
$16.4MEquity
Loan mix
90%RE $77.3M7%C&I $5.9M3%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $91.5M27%Noninterest $34.4MQ2 2025Q2 2026

NIM

4.86%Q2 ’245.05%Q2 ’255.33%Q2 ’26+8%+15%

Non-interest income vs. expense

2.62%Q2 ’242.41%Q2 ’252.52%Q2 ’26-4%+5%

Market Position · Columbia, MO · 2026 SOD (annual) · 1.9% share · #15 of 29 inst. · $0.1B of $6.7B

Executive Summary

  • Earnings: ROA of 1.13%, up 25 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.27% of loans (-8 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.56%, up 19 bps from a year ago.
  • Funding: loans stand at 76.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.13%+25 bps YoY

Net Interest Margin (quarter, annualized)

3.68%+47 bps YoY

Efficiency Ratio (quarter, annualized)

62.68%-533 bps YoY

Tier 1 Leverage Ratio

11.56%+19 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%1.09%1.19%1.25%1.13%+25 bps
Return on Equity8.08%9.66%10.29%10.90%9.92%+184 bps
Net Interest Margin3.21%3.39%3.54%3.53%3.68%+47 bps
Efficiency Ratio68.01%63.00%60.53%59.97%62.68%-533 bps
Non-Interest Burden2.07%1.98%2.00%1.96%2.18%+10 bps
Growth
Asset Growth (YoY)9.24%5.11%5.61%4.14%2.97%-627 bps
Loan Growth (YoY)1.62%4.54%5.30%9.23%8.42%+680 bps
Deposit Growth (YoY)11.78%7.21%5.08%3.59%2.46%-932 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.75%0.66%0.22%0.27%-8 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%0.47%0.04%+3 bps
Allowance / Loans1.33%1.28%1.26%1.14%1.15%-18 bps
Allowance Coverage of NPLs3.8x1.7x1.9x5.3x4.2x+0.4x
Capital
Tier 1 Leverage Ratio11.37%11.57%11.69%11.58%11.56%+19 bps
Total Risk-Based Capital11.37%11.57%11.69%11.58%11.56%+19 bps
Equity / Assets11.07%11.47%11.65%11.24%11.51%+44 bps
Liquidity & Funding
Loans / Deposits72.34%75.97%77.08%74.00%76.54%+421 bps
Liquid Assets / Assets4.03%4.08%4.08%4.01%4.17%+14 bps
CRE / Total Capitaln/a26.59%27.77%27.86%n/an/a