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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

$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