PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

4.78%Q2 ’246.72%Q2 ’255.88%Q2 ’26+43%-21%

Non-interest income vs. expense

3.06%Q2 ’243.38%Q2 ’253.47%Q2 ’26+76%-35%

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 0.74%, down 16 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.02% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

0.74%-16 bps YoY

Net Interest Margin (quarter, annualized)

4.25%-113 bps YoY

Efficiency Ratio (quarter, annualized)

77.70%-1,211 bps YoY

Tier 1 Leverage Ratio

6.90%-781 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.98%1.14%0.84%0.74%-16 bps
Return on Equity6.27%6.77%7.81%7.91%11.06%+479 bps
Net Interest Margin5.38%4.14%4.35%4.09%4.25%-113 bps
Efficiency Ratio89.81%70.84%77.32%73.96%77.70%-1,211 bps
Non-Interest Burden4.99%2.84%2.93%2.97%3.26%-174 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-4.44%-0.05%0.00%-0.03%0.00%+444 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