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Citizens Bank & Trust

Rock Port, MO · Cert 14293

State charter, non-member · FDIC · 2 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 MO3

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 MO (n=82 to 83). 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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

28

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 & Trust

Rock Port, MO · Cert 14293

State charter, non-member · FDIC · 2 branches

Q2 2026

$107.3MAssets
$53.0MLoans
$93.7MDeposits
$12.0MEquity
Loan mix
79%RE $34.8M17%C&I $7.4M4%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $70.5M25%Noninterest $23.2MQ2 2025Q2 2026

NIM

4.37%Q2 ’244.44%Q2 ’254.74%Q2 ’26+10%+12%

Non-interest income vs. expense

2.32%Q2 ’242.51%Q2 ’252.60%Q2 ’26+8%+6%

Executive Summary

  • Earnings: ROA of 1.06%, up 20 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.08% of loans (-18 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 12.50%, up 27 bps from a year ago.
  • Funding: loans stand at 56.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+39 bps YoY

Efficiency Ratio (YTD, annualized)

65.45%-385 bps YoY

Tier 1 Leverage Ratio

12.50%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.74%0.96%1.16%1.06%+20 bps
Return on Equity9.09%7.50%9.68%11.07%9.96%+87 bps
Net Interest Margin3.27%3.22%3.43%3.52%3.66%+39 bps
Efficiency Ratio69.31%72.78%66.77%62.40%65.45%-385 bps
Non-Interest Burden2.15%2.23%2.16%2.08%2.29%+13 bps
Growth
Asset Growth (YoY)-6.76%0.26%3.69%1.26%2.80%+957 bps
Loan Growth (YoY)4.40%7.08%0.73%4.14%4.09%-31 bps
Deposit Growth (YoY)-9.89%-1.11%2.56%0.97%3.02%+1,291 bps
Asset Quality
Nonperforming Loans / Loans0.25%6.01%0.27%0.11%0.08%-18 bps
Net Charge-Offs / Loans0.04%0.03%0.04%-0.01%0.05%+1 bps
Allowance / Loans1.11%1.06%1.06%1.09%1.06%-5 bps
Allowance Coverage of NPLs4.4x0.2x3.9x10.1x14.0x+9.6x
Capital
Tier 1 Leverage Ratio12.23%12.74%12.69%11.71%12.50%+27 bps
Total Risk-Based Capital12.23%12.74%12.69%11.71%12.50%+27 bps
Equity / Assets10.46%11.05%10.39%10.54%11.15%+70 bps
Liquidity & Funding
Loans / Deposits55.96%59.96%53.26%52.90%56.54%+58 bps
Liquid Assets / Assets6.53%3.74%8.88%4.83%3.83%-270 bps
CRE / Total Capitaln/a74.55%76.20%75.59%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 & Trust

Rock Port, MO · Cert 14293 · Peer group: banks under $1B in assets in MO (n=82-83)

State charter, non-member · FDIC · 2 branches

Q2 2026

$107.3MAssets
$53.0MLoans
$93.7MDeposits
$12.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 76% of banks under $1B in assets in MO (rank 21 of 82).
  • Widest gap: return on equity trails 73% of banks under $1B in assets in MO (rank 61 of 83).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.10%

Rank 54 of 83

Net Interest Margin

3.66%

Rank 52 of 83

Efficiency Ratio

65.45%

Rank 61 of 83

Equity / Assets

11.15%

Rank 33 of 83

Non-interest income vs. expense

$0.3M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 28% of banks under $1B in assets in MO
Bank 65.45%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.96%1.32%1.75%Beats 35%54 / 83
Return on Equity9.88%9.66%12.96%15.76%Beats 27%61 / 83
Net Interest Margin3.66%3.35%3.85%4.16%Beats 37%52 / 83
Efficiency Ratio65.45%49.83%58.83%68.51%Beats 28%61 / 83
Asset Quality
Nonperforming Loans / Loans0.08%0.08%0.51%1.01%Beats 76%21 / 82
Net Charge-Offs / Loans0.04%0.00%0.01%0.06%Beats 34%55 / 82
Capital
Tier 1 Capital Ratio12.50%11.01%12.49%14.98%Beats 51%41 / 83
Total Risk-Based Capital Ratio12.50%11.13%13.01%15.10%Beats 45%46 / 83
Equity / Assets11.15%8.83%10.71%13.29%Beats 60%33 / 83
Liquidity & Funding
Loans / Deposits56.54%69.28%83.22%91.21%10th pctl74 / 82
Loans / Assets49.40%59.34%71.15%78.36%10th pctl75 / 83
Brokered Deposits / Depositsn/aNot reported for this institution