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Citizens State Bank

Miles, TX · Cert 15519 · CSB Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$270.1MAssets
$211.9MLoans
$239.6MDeposits
$29.6MEquity
Loan mix
76%RE $144.7M21%C&I $39.5M3%Consumer $5.4MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $188.4M21%Noninterest $51.2MQ2 2025Q2 2026

NIM

6.34%Q2 ’246.62%Q2 ’256.41%Q2 ’26+9%0%

Non-interest income vs. expense

1.76%Q2 ’241.81%Q2 ’251.86%Q2 ’26+35%+5%

Market Position · San Angelo, TX · 2026 SOD (annual) · 3.9% share · #8 of 15 inst. · $0.1B of $3.4B

4.1% Tom Green
27.6% Runnels

Executive Summary

  • Earnings: ROA of 2.10%, down 5 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 0.44% of loans (+30 bps YoY), with net charge-offs at 0.52%.
  • Capital: tier 1 leverage ratio of 10.74%, up 3 bps from a year ago.
  • Funding: loans stand at 88.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.10%-5 bps YoY

Net Interest Margin (quarter, annualized)

4.39%0 bps YoY

Efficiency Ratio (quarter, annualized)

40.04%+138 bps YoY

Tier 1 Leverage Ratio

10.74%+3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.15%1.91%2.04%1.89%2.10%-5 bps
Return on Equity20.78%18.95%20.26%18.35%19.78%-100 bps
Net Interest Margin4.39%4.19%4.09%4.13%4.39%0 bps
Efficiency Ratio38.66%42.79%39.44%41.78%40.04%+138 bps
Non-Interest Burden1.53%1.62%1.45%1.55%1.60%+7 bps
Growth
Asset Growth (YoY)12.12%15.66%11.87%12.27%4.53%-759 bps
Loan Growth (YoY)14.65%14.89%9.53%4.49%5.61%-904 bps
Deposit Growth (YoY)11.92%15.98%11.59%12.35%3.73%-819 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.00%1.00%0.88%0.44%+30 bps
Net Charge-Offs / Loans0.00%0.07%0.03%0.23%0.52%+52 bps
Allowance / Loans1.31%1.28%1.31%1.28%1.17%-13 bps
Allowance Coverage of NPLs9.0xn/a1.3x1.5x2.7x-6.3x
Capital
Tier 1 Leverage Ratio10.71%10.41%10.10%10.51%10.74%+3 bps
Total Risk-Based Capital10.71%10.41%10.10%10.51%10.74%+3 bps
Equity / Assets10.31%9.86%10.31%10.28%10.96%+64 bps
Liquidity & Funding
Loans / Deposits86.86%82.27%84.04%82.94%88.43%+157 bps
Liquid Assets / Assets12.47%16.22%14.17%16.00%10.60%-187 bps
CRE / Total Capitaln/a172.83%179.61%167.55%n/an/a