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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