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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

$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

5.26%Q2 ’245.35%Q2 ’255.58%Q2 ’26+13%+10%

Non-interest income vs. expense

2.81%Q2 ’243.03%Q2 ’252.78%Q2 ’26+4%-12%

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 1.16%, up 56 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.82% of loans (-117 bps YoY), with net charge-offs at 0.04%.
  • 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 (quarter, annualized)

1.16%+56 bps YoY

Net Interest Margin (quarter, annualized)

4.08%+36 bps YoY

Efficiency Ratio (quarter, annualized)

62.57%-1,317 bps YoY

Tier 1 Leverage Ratio

11.93%+22 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.90%0.90%1.04%1.16%+56 bps
Return on Equity5.32%8.03%8.15%9.22%10.06%+474 bps
Net Interest Margin3.72%3.77%3.85%3.99%4.08%+36 bps
Efficiency Ratio75.74%70.76%67.52%65.78%62.57%-1,317 bps
Non-Interest Burden2.75%2.57%2.46%2.51%2.42%-33 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 / Loans0.02%3.02%-0.10%0.14%0.04%+1 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