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Citizens Bank, The

Enterprise, AL · Cert 16369 · Enterprise Capital Corp. Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=748 to 752). 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

22

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

48

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 2026-10-10

Citizens Bank, The

Enterprise, AL · Cert 16369 · Enterprise Capital Corp. Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$233.3MAssets
$164.2MLoans
$209.8MDeposits
$22.9MEquity
Loan mix
84%RE $142.8M15%C&I $25.2M2%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $151.6M28%Noninterest $58.2MQ2 2025Q2 2026

NIM

5.27%Q2 ’245.19%Q2 ’255.28%Q2 ’26+12%+4%

Non-interest income vs. expense

2.17%Q2 ’242.35%Q2 ’252.45%Q2 ’26+8%+3%

Market Position · Daphne-Fairhope-Foley, AL · 2026 SOD (annual) · 0.8% share · #23 of 32 inst. · $0.1B of $6.7B

14.3% Coffee
0.8% Baldwin

Executive Summary

  • Earnings: ROA of 1.12%, up 20 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.42% of loans (-17 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.56%, up 85 bps from a year ago.
  • Funding: loans stand at 78.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+13 bps YoY

Efficiency Ratio (YTD, annualized)

65.43%-39 bps YoY

Tier 1 Leverage Ratio

10.56%+85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.97%1.03%0.92%1.12%+20 bps
Return on Equity11.42%11.95%12.38%10.33%12.15%+73 bps
Net Interest Margin3.33%3.32%3.38%3.48%3.46%+13 bps
Efficiency Ratio65.82%63.92%63.20%68.19%65.43%-39 bps
Non-Interest Burden2.11%2.02%2.04%2.29%2.17%+6 bps
Growth
Asset Growth (YoY)0.80%6.20%8.19%7.67%-5.69%-649 bps
Loan Growth (YoY)-1.20%8.28%10.61%5.40%-1.28%-8 bps
Deposit Growth (YoY)3.39%5.60%-6.87%-2.72%-7.62%-1,101 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.35%0.44%0.34%0.42%-17 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.00%0.00%-1 bps
Allowance / Loans1.00%1.01%1.00%1.04%1.07%+7 bps
Allowance Coverage of NPLs1.7x2.9x2.3x3.1x2.6x+0.9x
Capital
Tier 1 Leverage Ratio9.71%9.69%10.01%10.43%10.56%+85 bps
Total Risk-Based Capital9.71%9.69%10.01%10.43%10.56%+85 bps
Equity / Assets7.84%8.47%8.98%8.82%9.80%+196 bps
Liquidity & Funding
Loans / Deposits73.24%77.56%91.75%82.74%78.27%+503 bps
Liquid Assets / Assets13.42%8.69%6.42%11.95%10.00%-342 bps
CRE / Total Capitaln/a268%276%265%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 2026-10-10

Citizens Bank, The

Enterprise, AL · Cert 16369 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Enterprise Capital Corp. Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$233.3MAssets
$164.2MLoans
$209.8MDeposits
$22.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 182 of 748).
  • Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets operating in a single state (rank 655 of 752).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.16%

Rank 327 of 752

Net Interest Margin

3.46%

Rank 472 of 752

Efficiency Ratio

65.43%

Rank 394 of 752

Equity / Assets

9.80%

Rank 468 of 752

Non-interest income vs. expense

$0.7M$6.1MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 48% of banks under $1B in assets operating in a single state
Bank 65.43%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.72%1.07%1.45%Beats 57%327 / 752
Return on Equity11.81%6.78%10.58%13.65%Beats 62%289 / 752
Net Interest Margin3.46%3.18%3.69%4.17%Beats 37%472 / 752
Efficiency Ratio65.43%55.75%64.49%75.47%Beats 48%394 / 752
Asset Quality
Nonperforming Loans / Loans0.42%0.09%0.42%1.03%Beats 50%374 / 748
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%182 / 748
Capital
Tier 1 Capital Ratio10.56%11.55%13.75%17.60%Beats 14%644 / 752
Total Risk-Based Capital Ratio10.56%11.70%14.33%18.47%Beats 13%655 / 752
Equity / Assets9.80%8.93%10.56%13.13%Beats 38%468 / 752
Liquidity & Funding
Loans / Deposits78.27%62.23%78.64%91.26%49th pctl382 / 752
Loans / Assets70.37%54.61%67.41%76.47%57th pctl322 / 752
Brokered Deposits / Depositsn/aNot reported for this institution