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Citizens State Bank, The

Marysville, KS · Cert 14269 · Community Bancshares Marysville

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

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 in KS (n=98). 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

9

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

4

Q2 2024Q2 2026peer median

Efficiency

100

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 State Bank, The

Marysville, KS · Cert 14269 · Community Bancshares Marysville

State charter, non-member · FDIC · 4 branches

Q2 2026

$442.4MAssets
$345.2MLoans
$381.2MDeposits
$34.6MEquity
Loan mix
84%RE $182.5M15%C&I $32.0M2%Consumer $3.3MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $329.8M14%Noninterest $51.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.80%, down 5 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 1.28% of loans (+125 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.76%, down 30 bps from a year ago.
  • Funding: loans stand at 90.54% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.80%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+9 bps YoY

Efficiency Ratio (YTD, annualized)

37.70%+58 bps YoY

Tier 1 Leverage Ratio

9.76%-30 bps YoY

NIM

5.55%Q2 ’245.65%Q2 ’255.45%Q2 ’26+0%+3%

Non-interest income vs. expense

1.43%Q2 ’241.44%Q2 ’251.40%Q2 ’26-18%+21%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.64%1.63%2.05%1.85%1.72%1.68%1.70%1.80%-5 bps
Return on Equity22.18%22.27%28.04%25.10%22.84%22.07%21.58%22.92%-218 bps
Net Interest Margin3.38%3.34%3.44%3.48%3.38%3.39%3.52%3.57%+9 bps
Efficiency Ratio39.67%40.15%34.42%37.12%38.87%39.30%39.45%37.70%+58 bps
Non-Interest Burden1.23%1.22%0.75%1.03%1.11%1.16%1.29%1.24%+21 bps
Growth
Asset Growth (YoY)5.38%3.95%2.78%4.97%2.48%3.50%6.20%6.04%+107 bps
Loan Growth (YoY)4.44%4.72%6.01%6.66%5.08%3.67%5.60%6.64%-2 bps
Deposit Growth (YoY)5.82%7.57%2.59%5.98%2.04%5.43%8.24%9.55%+357 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.02%0.11%0.03%1.34%1.39%1.42%1.28%+125 bps
Net Charge-Offs / Loans0.01%0.02%-0.01%0.00%0.00%0.00%-0.01%-0.01%0 bps
Allowance / Loans1.27%1.23%1.28%1.27%1.32%1.30%1.31%1.27%0 bps
Allowance Coverage of NPLs24.4x55.6x11.7x38.7x1.0x0.9x0.9x1.0x-37.7x
Capital
Tier 1 Leverage Ratio9.98%9.83%9.95%10.06%9.91%9.91%9.79%9.76%-30 bps
Total Risk-Based Capital9.98%9.83%9.95%10.06%9.91%9.91%9.79%9.76%-30 bps
Equity / Assets7.86%7.03%7.61%7.47%7.99%7.91%7.83%7.81%+34 bps
Liquidity & Funding
Loans / Deposits92.21%92.69%88.76%93.02%94.96%91.14%86.60%90.54%-247 bps
Liquid Assets / Assets0.51%0.50%0.25%0.26%0.27%0.25%0.19%0.19%-7 bps
CRE / Total Capitaln/an/an/an/a138.43%141.48%138.06%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 State Bank, The

Marysville, KS · Cert 14269 · Peer group: banks under $1B in assets in KS (n=98) · Community Bancshares Marysville

State charter, non-member · FDIC · 4 branches

Q2 2026

$442.4MAssets
$345.2MLoans
$381.2MDeposits
$34.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in KS (rank 1 of 98).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets in KS (rank 92 of 98).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.77%

Rank 11 of 98

Net Interest Margin

3.57%

Rank 52 of 98

Efficiency Ratio

37.70%

Rank 1 of 98

Equity / Assets

7.81%

Rank 84 of 98

Non-interest income vs. expense

$0.7M$6.1MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 100% of banks under $1B in assets in KS
Bank 37.70%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.77%1.03%1.24%1.54%Beats 89%11 / 98
Return on Equity22.70%8.85%11.58%14.73%Beats 95%5 / 98
Net Interest Margin3.57%3.24%3.62%3.91%Beats 47%52 / 98
Efficiency Ratio37.70%51.87%58.88%64.74%Beats 100%1 / 98
Asset Quality
Nonperforming Loans / Loans1.28%0.01%0.33%1.05%Beats 23%76 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 63%38 / 98
Capital
Tier 1 Capital Ratio9.76%11.81%13.71%17.33%Beats 6%92 / 98
Total Risk-Based Capital Ratio9.76%11.81%14.13%17.45%Beats 6%92 / 98
Equity / Assets7.81%8.60%11.34%13.10%Beats 14%84 / 98
Liquidity & Funding
Loans / Deposits90.54%57.09%69.84%82.47%88th pctl12 / 98
Loans / Assets78.03%49.34%58.31%68.94%95th pctl5 / 98
Brokered Deposits / Depositsn/aNot reported for this institution