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Citizens Bank

Mukwonago, WI · Cert 13055 · Citizens Bank Holding Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$1.2BAssets
$758.7MLoans
$996.0MDeposits
$152.5MEquity
Loan mix
90%RE $690.3M10%C&I $76.9M0%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $740.6M26%Noninterest $255.4MQ2 2025Q2 2026

NIM

4.75%Q2 ’245.15%Q2 ’255.13%Q2 ’26+15%+4%

Non-interest income vs. expense

2.14%Q2 ’242.17%Q2 ’252.28%Q2 ’26+1%+4%

Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 1.1% share · #16 of 43 inst. · $0.9B of $79.9B

4.7% Waukesha
4.0% Walworth

Executive Summary

  • Earnings: ROA of 1.52%, down 4 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.30% of loans (-7 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 13.64%, down 7 bps from a year ago.
  • Funding: loans stand at 76.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.52%-4 bps YoY

Net Interest Margin (quarter, annualized)

3.73%+13 bps YoY

Efficiency Ratio (quarter, annualized)

52.95%+46 bps YoY

Tier 1 Leverage Ratio

13.64%-7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.47%1.61%1.26%1.52%-4 bps
Return on Equity12.52%11.55%12.55%9.84%11.82%-70 bps
Net Interest Margin3.60%3.60%3.81%3.57%3.73%+13 bps
Efficiency Ratio52.49%55.19%53.00%56.87%52.95%+46 bps
Non-Interest Burden1.64%1.73%1.75%1.82%1.71%+6 bps
Growth
Asset Growth (YoY)5.58%7.34%9.10%5.42%4.81%-77 bps
Loan Growth (YoY)1.38%0.40%5.24%8.81%4.91%+352 bps
Deposit Growth (YoY)3.37%5.72%6.59%3.29%5.76%+240 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.38%0.35%0.38%0.30%-7 bps
Net Charge-Offs / Loans-0.06%0.08%0.01%0.00%0.26%+32 bps
Allowance / Loans1.12%1.14%1.16%1.17%1.20%+8 bps
Allowance Coverage of NPLs3.0x3.0x3.3x3.1x3.9x+0.9x
Capital
Tier 1 Leverage Ratio13.71%14.05%14.24%13.45%13.64%-7 bps
Total Risk-Based Capital13.71%14.05%14.24%13.45%13.64%-7 bps
Equity / Assets12.61%12.81%12.85%12.73%13.07%+46 bps
Liquidity & Funding
Loans / Deposits76.80%74.42%75.75%78.54%76.17%-62 bps
Liquid Assets / Assets7.43%10.63%7.68%3.79%4.44%-299 bps
CRE / Total Capitaln/a344%360%365%n/an/a