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Citizens Bank and Trust Company

Plaquemine, LA · Cert 1376 · Citizens Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=570 to 617). 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

55

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

60

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 Bank and Trust Company

Plaquemine, LA · Cert 1376 · Citizens Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$480.8MAssets
$363.1MLoans
$405.4MDeposits
$55.6MEquity
Loan mix
89%RE $310.4M10%C&I $35.8M1%Consumer $3.6MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $284.6M30%Noninterest $120.8MQ2 2025Q2 2026

NIM

5.17%Q2 ’245.40%Q2 ’255.53%Q2 ’26+14%+7%

Non-interest income vs. expense

2.82%Q2 ’242.99%Q2 ’252.80%Q2 ’26+4%-8%

Market Position · Baton Rouge, LA · 2026 SOD (annual) · 1.5% share · #9 of 40 inst. · $0.4B of $26.7B

1.0% East Baton Rouge
26.6% Iberville

Executive Summary

  • Earnings: ROA of 1.09%, up 40 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.82% of loans (-117 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 11.93%, up 22 bps from a year ago.
  • Funding: loans stand at 89.57% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+40 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+26 bps YoY

Efficiency Ratio (YTD, annualized)

64.15%-916 bps YoY

Tier 1 Leverage Ratio

11.93%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.76%0.79%1.04%1.09%+40 bps
Return on Equity6.33%6.90%7.22%9.22%9.64%+331 bps
Net Interest Margin3.78%3.75%3.70%3.99%4.04%+26 bps
Efficiency Ratio73.31%72.45%71.14%65.78%64.15%-916 bps
Non-Interest Burden2.69%2.63%2.54%2.51%2.47%-22 bps
Growth
Asset Growth (YoY)-0.02%2.90%2.42%5.70%7.01%+703 bps
Loan Growth (YoY)8.19%6.46%7.01%4.61%5.55%-264 bps
Deposit Growth (YoY)0.28%-5.29%1.78%4.97%5.83%+556 bps
Asset Quality
Nonperforming Loans / Loans1.99%1.01%0.92%0.71%0.82%-117 bps
Net Charge-Offs / Loans0.05%1.04%0.77%0.14%0.09%+3 bps
Allowance / Loans1.56%0.94%1.02%1.02%1.01%-55 bps
Allowance Coverage of NPLs0.8x0.9x1.1x1.4x1.2x+0.5x
Capital
Tier 1 Leverage Ratio11.71%11.76%11.68%11.61%11.93%+22 bps
Total Risk-Based Capital14.78%14.21%14.83%15.09%14.94%+16 bps
Equity / Assets11.34%11.16%10.97%11.52%11.57%+23 bps
Liquidity & Funding
Loans / Deposits89.80%93.29%81.31%85.29%89.57%-24 bps
Liquid Assets / Assets9.28%10.85%17.12%14.52%13.15%+387 bps
CRE / Total Capitaln/a403%390%388%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 Bank and Trust Company

Plaquemine, LA · Cert 1376 · Peer group: banks under $1B in assets (n=570-617) · Citizens Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$480.8MAssets
$363.1MLoans
$405.4MDeposits
$55.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 74% of banks under $1B in assets (rank 160 of 617).
  • Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets (rank 471 of 570).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.09%

Rank 280 of 617

Net Interest Margin

4.04%

Rank 160 of 617

Efficiency Ratio

64.15%

Rank 245 of 617

Equity / Assets

11.57%

Rank 246 of 617

Non-interest income vs. expense

$1.6M$13.2MINCOMEEXPENSE
Unfavorable gap of $11.6M · efficiency ratio beats 60% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.09%0.60%1.01%1.45%Beats 55%280 / 617
Return on Equity9.42%5.30%9.43%13.30%Beats 50%310 / 617
Net Interest Margin4.04%3.04%3.54%4.05%Beats 74%160 / 617
Efficiency Ratio64.15%58.03%67.76%79.08%Beats 60%245 / 617
Asset Quality
Nonperforming Loans / Loans0.82%0.09%0.47%1.27%Beats 36%367 / 570
Net Charge-Offs / Loans0.10%n/a0.01%0.06%Beats 18%471 / 570
Capital
Tier 1 Capital Ratio13.97%11.18%13.83%18.55%Beats 52%299 / 617
Total Risk-Based Capital Ratio14.94%11.56%14.39%19.39%Beats 53%288 / 617
Equity / Assets11.57%9.03%10.55%13.63%Beats 60%246 / 617
Liquidity & Funding
Loans / Deposits89.57%64.77%79.70%93.06%69th pctl182 / 582
Loans / Assets75.52%51.70%67.18%77.51%69th pctl191 / 617
Brokered Deposits / Depositsn/aNot reported for this institution