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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 $3.3MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $329.8M14%Noninterest $51.5MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.85%1.72%1.68%1.70%1.80%-5 bps
Return on Equity25.10%22.84%22.07%21.58%22.92%-218 bps
Net Interest Margin3.48%3.38%3.39%3.52%3.57%+9 bps
Efficiency Ratio37.12%38.87%39.30%39.45%37.70%+58 bps
Non-Interest Burden1.03%1.11%1.16%1.29%1.24%+21 bps
Growth
Asset Growth (YoY)4.97%2.48%3.50%6.20%6.04%+107 bps
Loan Growth (YoY)6.66%5.08%3.67%5.60%6.64%-2 bps
Deposit Growth (YoY)5.98%2.04%5.43%8.24%9.55%+357 bps
Asset Quality
Nonperforming Loans / Loans0.03%1.34%1.39%1.42%1.28%+125 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%-0.01%0 bps
Allowance / Loans1.27%1.32%1.30%1.31%1.27%0 bps
Allowance Coverage of NPLs38.7x1.0x0.9x0.9x1.0x-37.7x
Capital
Tier 1 Leverage Ratio10.06%9.91%9.91%9.79%9.76%-30 bps
Total Risk-Based Capital10.06%9.91%9.91%9.79%9.76%-30 bps
Equity / Assets7.47%7.99%7.91%7.83%7.81%+34 bps
Liquidity & Funding
Loans / Deposits93.02%94.96%91.14%86.60%90.54%-247 bps
Liquid Assets / Assets0.26%0.27%0.25%0.19%0.19%-7 bps
CRE / Total Capitaln/a138.43%141.48%138.06%n/an/a