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Citizens Bank

Kilgore, TX · Cert 16817 · East Texas Financial Corp.

State charter, non-member · FDIC · 11 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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

20

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

Kilgore, TX · Cert 16817 · East Texas Financial Corp.

State charter, non-member · FDIC · 1 affiliate bank · 11 branches (20 in holding)

Q2 2026

$488.8MAssets
$327.1MLoans
$441.6MDeposits
$33.3MEquity
Loan mix
89%RE $296.0M10%C&I $33.6M1%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $325.1M26%Noninterest $116.5MQ2 2025Q2 2026

NIM

4.71%Q2 ’245.84%Q2 ’255.87%Q2 ’26+19%-5%

Non-interest income vs. expense

3.05%Q2 ’243.26%Q2 ’253.41%Q2 ’26+41%-19%

Market Position · Longview, TX · 2026 SOD (annual) · 2.4% share · #13 of 25 inst. · $0.2B of $8.0B

4.3% Gregg
10.1% De Witt
7.4% Hardin
0.2% Brazos

Executive Summary

  • Earnings: ROA of 0.79%, up 13 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 0.02% of loans (-2 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 6.90%, down 781 bps from a year ago.
  • Funding: loans stand at 74.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.79%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.29%-23 bps YoY

Efficiency Ratio (YTD, annualized)

75.82%-975 bps YoY

Tier 1 Leverage Ratio

6.90%-781 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.77%0.86%0.84%0.79%+13 bps
Return on Equity4.64%5.36%5.99%7.91%8.41%+378 bps
Net Interest Margin4.52%4.37%4.30%4.09%4.29%-23 bps
Efficiency Ratio85.57%80.09%79.13%73.96%75.82%-975 bps
Non-Interest Burden3.97%3.57%3.36%2.97%3.20%-77 bps
Growth
Asset Growth (YoY)3.02%2.73%6.32%1.46%-0.06%-309 bps
Loan Growth (YoY)14.06%18.75%14.50%16.02%6.46%-760 bps
Deposit Growth (YoY)2.44%2.32%5.99%7.08%6.52%+408 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.04%0.03%0.02%-2 bps
Net Charge-Offs / Loans-2.44%-1.59%-1.18%-0.03%-0.02%+242 bps
Allowance / Loans2.92%2.87%2.49%2.43%2.49%-43 bps
Allowance Coverage of NPLs71.2x77.1x60.4x79.9x107.2x+35.9x
Capital
Tier 1 Leverage Ratio14.71%14.81%14.81%6.37%6.90%-781 bps
Total Risk-Based Capital21.78%23.77%22.29%11.18%11.37%-1,042 bps
Equity / Assets14.48%14.55%14.63%6.58%6.81%-767 bps
Liquidity & Funding
Loans / Deposits74.13%74.97%73.92%74.77%74.08%-5 bps
Liquid Assets / Assets17.54%15.94%13.98%13.24%11.36%-618 bps
CRE / Total Capitaln/a327%321%764%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

Kilgore, TX · Cert 16817 · Peer group: banks under $1B in assets in TX (n=208-211) · East Texas Financial Corp.

State charter, non-member · FDIC · 1 affiliate bank · 11 branches (20 in holding)

Q2 2026

$488.8MAssets
$327.1MLoans
$441.6MDeposits
$33.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 78% of banks under $1B in assets in TX (rank 50 of 208).
  • Widest gap: equity / assets trails 95% of banks under $1B in assets in TX (rank 201 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.81%

Rank 164 of 211

Net Interest Margin

4.29%

Rank 58 of 211

Efficiency Ratio

75.82%

Rank 169 of 211

Equity / Assets

6.81%

Rank 201 of 211

Non-interest income vs. expense

$1.0M$16.7MINCOMEEXPENSE
Unfavorable gap of $15.7M · efficiency ratio beats 20% of banks under $1B in assets in TX
Bank 75.82%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.81%0.87%1.20%1.65%Beats 22%164 / 211
Return on Equity11.86%7.52%11.67%14.58%Beats 52%102 / 211
Net Interest Margin4.29%3.28%3.82%4.31%Beats 73%58 / 211
Efficiency Ratio75.82%53.01%64.18%73.65%Beats 20%169 / 211
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.30%1.10%Beats 73%57 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 78%50 / 208
Capital
Tier 1 Capital Ratio10.10%11.72%14.45%19.57%Beats 10%190 / 211
Total Risk-Based Capital Ratio11.37%11.94%14.78%20.30%Beats 21%167 / 211
Equity / Assets6.81%9.41%11.06%12.94%Beats 5%201 / 211
Liquidity & Funding
Loans / Deposits74.08%45.39%66.56%82.03%62nd pctl79 / 208
Loans / Assets66.93%39.13%56.90%70.46%69th pctl66 / 211
Brokered Deposits / Depositsn/aNot reported for this institution