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Citizens Bank

New Haven, MO · Cert 14488 · Citizens Financial Group Inc.

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 the St. Louis, MO-IL area3

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 the St. Louis, MO-IL area (n=38 to 40). 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

71

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

67

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

New Haven, MO · Cert 14488 · Citizens Financial Group Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$357.4MAssets
$314.0MLoans
$305.4MDeposits
$47.8MEquity
Loan mix
94%RE $294.6M6%C&I $18.6M0%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $231.1M24%Noninterest $74.3MQ2 2025Q2 2026

NIM

5.70%Q2 ’245.78%Q2 ’255.64%Q2 ’26+5%-1%

Non-interest income vs. expense

2.67%Q2 ’242.71%Q2 ’252.53%Q2 ’26+2%-8%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #55 of 111 inst. · $0.3B of $141.7B

Executive Summary

  • Earnings: ROA of 1.33%, up 21 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 2.95% of loans (+71 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.10%, up 12 bps from a year ago.
  • Funding: loans stand at 102.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.33%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.89%-2 bps YoY

Efficiency Ratio (YTD, annualized)

60.56%-432 bps YoY

Tier 1 Leverage Ratio

13.10%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.14%1.14%1.32%1.33%+21 bps
Return on Equity8.80%9.03%8.93%10.11%10.17%+136 bps
Net Interest Margin3.91%3.91%3.86%3.90%3.89%-2 bps
Efficiency Ratio64.88%65.10%66.04%60.74%60.56%-432 bps
Non-Interest Burden2.44%2.45%2.45%2.26%2.24%-20 bps
Growth
Asset Growth (YoY)10.45%10.07%8.08%7.62%1.51%-894 bps
Loan Growth (YoY)11.76%8.74%7.02%4.33%-2.69%-1,446 bps
Deposit Growth (YoY)11.00%10.56%7.92%7.45%0.48%-1,053 bps
Asset Quality
Nonperforming Loans / Loans2.25%2.24%2.33%2.36%2.95%+71 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%0.00%+2 bps
Allowance / Loans1.59%1.59%1.62%1.63%1.64%+5 bps
Allowance Coverage of NPLs0.7x0.7x0.7x0.7x0.6x-0.2x
Capital
Tier 1 Leverage Ratio12.98%12.97%12.86%13.05%13.10%+12 bps
Total Risk-Based Capital14.53%14.84%15.53%16.08%16.37%+184 bps
Equity / Assets12.48%12.37%13.11%12.91%13.36%+88 bps
Liquidity & Funding
Loans / Deposits106.19%102.76%105.90%101.67%102.84%-335 bps
Liquid Assets / Assets2.39%4.16%2.25%4.73%4.73%+234 bps
CRE / Total Capitaln/a431%413%406%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

New Haven, MO · Cert 14488 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Citizens Financial Group Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$357.4MAssets
$314.0MLoans
$305.4MDeposits
$47.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of banks under $1B in assets in the St. Louis, MO-IL area (rank 5 of 40).
  • Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets in the St. Louis, MO-IL area (rank 34 of 38).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.33%

Rank 9 of 40

Net Interest Margin

3.89%

Rank 5 of 40

Efficiency Ratio

60.56%

Rank 14 of 40

Equity / Assets

13.36%

Rank 9 of 40

Non-interest income vs. expense

$1.1M$9.2MINCOMEEXPENSE
Unfavorable gap of $8.2M · efficiency ratio beats 67% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 60.56%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.33%0.64%1.04%1.26%Beats 78%9 / 40
Return on Equity9.97%6.25%9.97%13.41%Beats 50%20 / 40
Net Interest Margin3.89%3.09%3.22%3.62%Beats 88%5 / 40
Efficiency Ratio60.56%57.08%64.37%75.86%Beats 67%14 / 40
Asset Quality
Nonperforming Loans / Loans2.95%0.14%0.62%1.92%Beats 13%34 / 38
Net Charge-Offs / Loans0.00%0.00%0.01%0.09%Beats 68%13 / 38
Capital
Tier 1 Capital Ratio15.12%10.29%12.88%15.77%Beats 68%13 / 40
Total Risk-Based Capital Ratio16.37%10.64%13.30%17.01%Beats 68%13 / 40
Equity / Assets13.36%8.59%9.46%12.46%Beats 78%9 / 40
Liquidity & Funding
Loans / Deposits102.84%66.12%79.48%94.60%93rd pctl3 / 40
Loans / Assets87.85%54.69%68.52%77.46%95th pctl2 / 40
Brokered Deposits / Depositsn/aNot reported for this institution