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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

4.25%Q2 ’244.50%Q2 ’254.65%Q2 ’26+18%+8%

Non-interest income vs. expense

2.32%Q2 ’242.49%Q2 ’252.68%Q2 ’26+8%+12%

Executive Summary

  • Earnings: ROA of 0.97%, up 1 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.08% of loans (-18 bps YoY), with net charge-offs at 0.11%.
  • 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 (quarter, annualized)

0.97%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.60%+26 bps YoY

Efficiency Ratio (quarter, annualized)

68.61%+164 bps YoY

Tier 1 Leverage Ratio

12.50%+27 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.49%1.66%1.16%0.97%+1 bps
Return on Equity9.72%4.54%15.51%11.07%8.93%-79 bps
Net Interest Margin3.35%2.86%4.30%3.52%3.60%+26 bps
Efficiency Ratio66.97%80.76%53.29%62.40%68.61%+164 bps
Non-Interest Burden2.11%2.23%2.11%2.08%2.38%+26 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 / Loans0.06%0.00%0.08%-0.01%0.11%+4 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