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Citizens State Bank

Anton, TX · Cert 16581 · Anton Bancshares 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 in TX3

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 TX (n=208 to 211). 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

69

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

16

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

Anton, TX · Cert 16581 · Anton Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$80.7MAssets
$67.3MLoans
$67.0MDeposits
$13.1MEquity
Loan mix
87%RE $55.2M13%C&I $8.1M1%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $52.3M22%Noninterest $14.7MQ2 2025Q2 2026

NIM

7.12%Q2 ’246.71%Q2 ’256.26%Q2 ’26-8%-7%

Non-interest income vs. expense

3.41%Q2 ’243.81%Q2 ’253.86%Q2 ’26-8%+23%

Market Position · Lubbock, TX · 2026 SOD (annual) · 0.5% share · #22 of 31 inst. · $0.1B of $14.3B

5.3% Hockley
0.2% Lubbock

Executive Summary

  • Earnings: ROA of 0.82%, down 75 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 0.01% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.98%, down 43 bps from a year ago.
  • Funding: loans stand at 100.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%-75 bps YoY

Net Interest Margin (YTD, annualized)

4.54%-32 bps YoY

Efficiency Ratio (YTD, annualized)

79.23%+1,349 bps YoY

Tier 1 Leverage Ratio

15.98%-43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.30%1.15%0.68%0.82%-75 bps
Return on Equity9.44%7.76%6.92%4.10%5.00%-444 bps
Net Interest Margin4.86%4.91%4.85%4.47%4.54%-32 bps
Efficiency Ratio65.74%71.18%73.40%82.73%79.23%+1,349 bps
Non-Interest Burden2.87%3.29%3.39%3.64%3.53%+65 bps
Growth
Asset Growth (YoY)5.38%-1.56%2.68%3.43%0.72%-466 bps
Loan Growth (YoY)1.07%4.49%5.60%13.79%11.42%+1,035 bps
Deposit Growth (YoY)5.79%-2.34%3.10%4.23%0.79%-500 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.04%0.03%0.61%0.01%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.04%1.04%1.03%0.97%0.94%-11 bps
Allowance Coverage of NPLs35.0x26.3x37.1x1.6x90.0x+55.0x
Capital
Tier 1 Leverage Ratio16.41%16.78%16.98%16.45%15.98%-43 bps
Total Risk-Based Capital16.41%16.78%16.98%16.45%15.98%-43 bps
Equity / Assets16.22%17.15%16.52%16.45%16.22%0 bps
Liquidity & Funding
Loans / Deposits90.84%96.11%91.73%95.77%100.42%+958 bps
Liquid Assets / Assets4.95%5.07%4.75%4.60%4.57%-39 bps
CRE / Total Capitaln/a194.57%196.20%194.24%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

Anton, TX · Cert 16581 · Peer group: banks under $1B in assets in TX (n=208-211) · Anton Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$80.7MAssets
$67.3MLoans
$67.0MDeposits
$13.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: efficiency ratio trails 84% of banks under $1B in assets in TX (rank 178 of 211).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.82%

Rank 163 of 211

Net Interest Margin

4.54%

Rank 39 of 211

Efficiency Ratio

79.23%

Rank 178 of 211

Equity / Assets

16.22%

Rank 24 of 211

Non-interest income vs. expense

$0.3M$3.2MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 16% of banks under $1B in assets in TX
Bank 79.23%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.82%0.87%1.20%1.65%Beats 23%163 / 211
Return on Equity5.07%7.52%11.67%14.58%Beats 16%177 / 211
Net Interest Margin4.54%3.28%3.82%4.31%Beats 82%39 / 211
Efficiency Ratio79.23%53.01%64.18%73.65%Beats 16%178 / 211
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.30%1.10%Beats 75%53 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio15.98%11.72%14.45%19.57%Beats 60%85 / 211
Total Risk-Based Capital Ratio15.98%11.94%14.78%20.30%Beats 57%90 / 211
Equity / Assets16.22%9.41%11.06%12.94%Beats 89%24 / 211
Liquidity & Funding
Loans / Deposits100.42%45.39%66.56%82.03%98th pctl4 / 208
Loans / Assets83.37%39.13%56.90%70.46%98th pctl5 / 211
Brokered Deposits / Depositsn/aNot reported for this institution