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Citizens Bank & Trust Company

Covington, LA · Cert 16417

State charter, non-member · FDIC · 5 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=743 to 746). 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

28

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 & Trust Company

Covington, LA · Cert 16417

State charter, non-member · FDIC · 5 branches

Q2 2026

$183.7MAssets
$115.7MLoans
$162.2MDeposits
$19.5MEquity
Loan mix
89%RE $104.0M11%C&I $12.9M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $121.2M25%Noninterest $41.0MQ2 2025Q2 2026

NIM

5.48%Q2 ’245.83%Q2 ’255.29%Q2 ’26+18%-9%

Non-interest income vs. expense

2.68%Q2 ’242.75%Q2 ’252.74%Q2 ’26-1%+0%

Market Position · Slidell-Mandeville-Covington, LA · 2026 SOD (annual) · 2.0% share · #10 of 26 inst. · $0.2B of $7.9B

Executive Summary

  • Earnings: ROA of 0.63%, down 41 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 7.15% of loans (+448 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 11.14%, up 45 bps from a year ago.
  • Funding: loans stand at 71.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.63%-41 bps YoY

Net Interest Margin (YTD, annualized)

3.52%-36 bps YoY

Efficiency Ratio (YTD, annualized)

73.52%+647 bps YoY

Tier 1 Leverage Ratio

11.14%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%0.97%0.96%0.77%0.63%-41 bps
Return on Equity10.93%9.93%9.62%7.32%5.99%-495 bps
Net Interest Margin3.88%3.98%3.96%3.67%3.52%-36 bps
Efficiency Ratio67.05%67.80%67.23%70.54%73.52%+647 bps
Non-Interest Burden2.53%2.62%2.59%2.53%2.54%+1 bps
Growth
Asset Growth (YoY)-1.71%-6.67%0.14%0.89%0.80%+251 bps
Loan Growth (YoY)-3.64%-7.15%-8.34%-16.01%-16.22%-1,258 bps
Deposit Growth (YoY)3.39%-1.63%-1.16%0.00%0.50%-289 bps
Asset Quality
Nonperforming Loans / Loans2.67%5.56%7.31%7.70%7.15%+448 bps
Net Charge-Offs / Loans0.00%0.00%0.18%0.29%0.21%+21 bps
Allowance / Loans1.04%1.18%1.12%1.21%1.35%+31 bps
Allowance Coverage of NPLs0.4x0.2x0.2x0.2x0.2x-0.2x
Capital
Tier 1 Leverage Ratio10.69%11.25%11.39%11.35%11.14%+45 bps
Total Risk-Based Capital10.69%11.25%11.39%11.35%11.14%+45 bps
Equity / Assets9.93%10.69%10.78%10.24%10.61%+67 bps
Liquidity & Funding
Loans / Deposits85.53%86.27%83.43%70.16%71.31%-1,423 bps
Liquid Assets / Assets8.66%6.33%10.67%21.91%19.76%+1,110 bps
CRE / Total Capitaln/a327%303%302%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 & Trust Company

Covington, LA · Cert 16417 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 5 branches

Q2 2026

$183.7MAssets
$115.7MLoans
$162.2MDeposits
$19.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 52% of banks under $1B in assets operating in a single state (rank 356 of 746).
  • Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets operating in a single state (rank 738 of 743).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.63%

Rank 595 of 746

Net Interest Margin

3.52%

Rank 440 of 746

Efficiency Ratio

73.52%

Rank 537 of 746

Equity / Assets

10.61%

Rank 356 of 746

Non-interest income vs. expense

$0.4M$5.1MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 28% of banks under $1B in assets operating in a single state
Bank 73.52%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.63%0.72%1.06%1.45%Beats 20%595 / 746
Return on Equity5.91%6.74%10.51%13.63%Beats 21%587 / 746
Net Interest Margin3.52%3.17%3.68%4.16%Beats 41%440 / 746
Efficiency Ratio73.52%55.74%64.58%75.47%Beats 28%537 / 746
Asset Quality
Nonperforming Loans / Loans7.15%0.09%0.42%1.07%Beats 1%738 / 743
Net Charge-Offs / Loans0.12%0.00%0.01%0.05%Beats 13%646 / 743
Capital
Tier 1 Capital Ratio11.14%11.55%13.75%17.60%Beats 21%592 / 746
Total Risk-Based Capital Ratio11.14%11.71%14.33%18.43%Beats 19%603 / 746
Equity / Assets10.61%8.90%10.51%13.06%Beats 52%356 / 746
Liquidity & Funding
Loans / Deposits71.31%61.31%78.27%90.78%37th pctl469 / 746
Loans / Assets62.97%53.60%66.97%76.08%41st pctl442 / 746
Brokered Deposits / Depositsn/aNot reported for this institution