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Citizens State Bank

Somerville, TX · Cert 16753 · C S B Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

80

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

Somerville, TX · Cert 16753 · C S B Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$1.2BAssets
$760.3MLoans
$1.1BDeposits
$154.3MEquity
Loan mix
83%RE $596.1M15%C&I $104.3M3%Consumer $18.4MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $748.7M29%Noninterest $301.7MQ2 2025Q2 2026

NIM

5.35%Q2 ’245.70%Q2 ’255.71%Q2 ’26+13%+3%

Non-interest income vs. expense

2.24%Q2 ’242.43%Q2 ’252.46%Q2 ’26+12%+0%

Market Position · College Station-Bryan, TX · 2026 SOD (annual) · 5.6% share · #7 of 26 inst. · $0.5B of $9.1B

80.0% Burleson
25.7% Washington
20.4% Grimes

Executive Summary

  • Earnings: ROA of 1.65%, down 13 bps year over year; NIM at 4.34%.
  • Asset quality: problem loans at 1.99% of loans (+33 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 12.95%, up 50 bps from a year ago.
  • Funding: loans stand at 72.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.65%-13 bps YoY

Net Interest Margin (YTD, annualized)

4.34%+12 bps YoY

Efficiency Ratio (YTD, annualized)

50.34%-93 bps YoY

Tier 1 Leverage Ratio

12.95%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.78%1.71%1.77%1.55%1.65%-13 bps
Return on Equity15.31%14.44%14.82%12.62%13.34%-196 bps
Net Interest Margin4.21%4.22%4.15%4.24%4.34%+12 bps
Efficiency Ratio51.27%51.85%51.89%54.47%50.34%-93 bps
Non-Interest Burden1.90%1.92%1.89%2.06%1.90%+1 bps
Growth
Asset Growth (YoY)7.04%5.36%9.95%9.13%5.92%-112 bps
Loan Growth (YoY)6.38%5.67%5.36%4.20%3.18%-320 bps
Deposit Growth (YoY)5.92%4.26%8.99%8.39%4.91%-102 bps
Asset Quality
Nonperforming Loans / Loans1.66%1.80%2.44%2.75%1.99%+33 bps
Net Charge-Offs / Loans0.07%0.06%0.10%0.15%0.28%+21 bps
Allowance / Loans0.96%1.08%1.01%1.03%1.11%+15 bps
Allowance Coverage of NPLs0.6x0.6x0.4x0.4x0.6x0.0x
Capital
Tier 1 Leverage Ratio12.45%12.57%12.47%12.67%12.95%+50 bps
Total Risk-Based Capital12.45%12.57%12.47%12.67%12.95%+50 bps
Equity / Assets11.84%12.45%12.13%12.38%12.66%+81 bps
Liquidity & Funding
Loans / Deposits73.59%74.76%71.57%72.44%72.38%-121 bps
Liquid Assets / Assets7.33%7.67%6.62%7.74%7.29%-5 bps
CRE / Total Capitaln/a204%202%201%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

Somerville, TX · Cert 16753 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · C S B Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$1.2BAssets
$760.3MLoans
$1.1BDeposits
$154.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 26 of 258).
  • Widest gap: nonperforming loans / loans trails 93% of banks $1B-$10B in assets operating in a single state (rank 242 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.64%

Rank 42 of 258

Net Interest Margin

4.34%

Rank 26 of 258

Efficiency Ratio

50.34%

Rank 53 of 257

Equity / Assets

12.66%

Rank 41 of 258

Non-interest income vs. expense

$6.8M$29.9MINCOMEEXPENSE
Unfavorable gap of $23.1M · efficiency ratio beats 80% of banks $1B-$10B in assets operating in a single state
Bank 50.34%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.64%0.93%1.23%1.54%Beats 84%42 / 258
Return on Equity13.00%9.26%11.84%14.74%Beats 61%101 / 258
Net Interest Margin4.34%3.16%3.49%3.88%Beats 90%26 / 258
Efficiency Ratio50.34%51.71%60.30%69.65%Beats 80%53 / 257
Asset Quality
Nonperforming Loans / Loans1.99%0.19%0.46%0.90%Beats 7%242 / 258
Net Charge-Offs / Loans0.21%0.01%0.02%0.07%Beats 10%232 / 258
Capital
Tier 1 Capital Ratio12.95%11.41%12.98%15.12%Beats 49%131 / 258
Total Risk-Based Capital Ratio12.95%12.10%13.91%16.08%Beats 37%163 / 258
Equity / Assets12.66%9.09%10.24%11.72%Beats 84%41 / 258
Liquidity & Funding
Loans / Deposits72.38%73.24%86.34%95.95%22nd pctl201 / 258
Loans / Assets62.35%63.01%72.27%78.40%23rd pctl198 / 258
Brokered Deposits / Depositsn/aNot reported for this institution