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Citizens State Bank - La Crosse

La Crosse, WI · Cert 1513 · Clayton Bankshares 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 WI3

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 WI (n=110 to 113). 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

3

Q2 2024Q2 2026peer median

Efficiency

96

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 - La Crosse

La Crosse, WI · Cert 1513 · Clayton Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$648.5MAssets
$546.3MLoans
$513.4MDeposits
$85.1MEquity
Loan mix
89%RE $487.1M10%C&I $55.8M0%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $413.0M20%Noninterest $100.3MQ2 2025Q2 2026

NIM

5.92%Q2 ’245.97%Q2 ’256.28%Q2 ’26+3%+14%

Non-interest income vs. expense

1.74%Q2 ’241.75%Q2 ’251.96%Q2 ’26-4%+7%

Market Position · La Crosse-Onalaska, WI-MN · 2026 SOD (annual) · 8.6% share · #5 of 24 inst. · $0.4B of $4.9B

11.5% La Crosse
6.5% Polk
1.2% Eau Claire

Executive Summary

  • Earnings: ROA of 2.31%, up 39 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 1.06% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.36%, up 219 bps from a year ago.
  • Funding: loans stand at 106.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.31%+39 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+49 bps YoY

Efficiency Ratio (YTD, annualized)

39.35%-100 bps YoY

Tier 1 Leverage Ratio

13.36%+219 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.91%2.01%2.04%2.24%2.31%+39 bps
Return on Equity18.03%18.48%18.32%18.08%18.27%+24 bps
Net Interest Margin3.63%3.76%3.85%4.06%4.13%+49 bps
Efficiency Ratio40.35%39.67%41.21%39.87%39.35%-100 bps
Non-Interest Burden1.04%0.97%1.06%1.18%1.11%+7 bps
Growth
Asset Growth (YoY)2.17%0.91%-3.81%-4.60%-2.11%-428 bps
Loan Growth (YoY)-2.55%-2.36%-1.54%-0.11%0.94%+349 bps
Deposit Growth (YoY)4.58%5.07%-6.43%-4.49%-3.79%-837 bps
Asset Quality
Nonperforming Loans / Loans1.07%1.01%1.68%1.02%1.06%-1 bps
Net Charge-Offs / Loans0.01%0.04%0.04%0.00%0.00%-1 bps
Allowance / Loans1.29%1.32%1.38%1.36%1.36%+7 bps
Allowance Coverage of NPLs1.2x1.3x0.8x1.3x1.3x+0.1x
Capital
Tier 1 Leverage Ratio11.17%11.74%12.18%12.63%13.36%+219 bps
Total Risk-Based Capital11.17%11.74%12.18%12.63%13.36%+219 bps
Equity / Assets11.27%11.71%12.21%12.55%13.13%+186 bps
Liquidity & Funding
Loans / Deposits101.43%102.13%104.23%102.88%106.42%+499 bps
Liquid Assets / Assets16.32%14.64%16.21%14.73%12.60%-372 bps
CRE / Total Capitaln/a487%465%469%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 - La Crosse

La Crosse, WI · Cert 1513 · Peer group: banks under $1B in assets in WI (n=110-113) · Clayton Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$648.5MAssets
$546.3MLoans
$513.4MDeposits
$85.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 96% of banks under $1B in assets in WI (rank 6 of 113).
  • Widest gap: nonperforming loans / loans trails 78% of banks under $1B in assets in WI (rank 87 of 110).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.32%

Rank 10 of 113

Net Interest Margin

4.13%

Rank 16 of 113

Efficiency Ratio

39.40%

Rank 6 of 113

Equity / Assets

13.13%

Rank 29 of 113

Non-interest income vs. expense

$5.4M$12.5MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 96% of banks under $1B in assets in WI
Bank 39.40%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.32%0.85%1.17%1.51%Beats 91%10 / 113
Return on Equity17.70%7.70%10.77%13.67%Beats 92%9 / 113
Net Interest Margin4.13%3.19%3.59%3.89%Beats 86%16 / 113
Efficiency Ratio39.40%54.61%62.43%71.88%Beats 96%6 / 113
Asset Quality
Nonperforming Loans / Loans1.06%0.03%0.24%0.91%Beats 22%87 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 66%38 / 110
Capital
Tier 1 Capital Ratio13.36%11.22%12.95%15.76%Beats 56%50 / 113
Total Risk-Based Capital Ratio13.36%11.57%13.59%16.73%Beats 46%61 / 113
Equity / Assets13.13%9.17%10.74%13.13%Beats 74%29 / 113
Liquidity & Funding
Loans / Deposits106.42%76.54%86.37%98.93%88th pctl14 / 112
Loans / Assets84.24%63.07%71.33%78.84%88th pctl14 / 113
Brokered Deposits / Depositsn/aNot reported for this institution