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Citizens Deposit Bank of Arlington, Inc.

Arlington, KY · Cert 16852 · Carlisle Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating in a single state (n=743 to 746). 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

74

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 Deposit Bank of Arlington, Inc.

Arlington, KY · Cert 16852 · Carlisle Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$348.2MAssets
$249.5MLoans
$287.8MDeposits
$41.2MEquity
Loan mix
79%RE $180.2M17%C&I $38.1M5%Consumer $10.5MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $241.2M16%Noninterest $46.6MQ3 2024Q2 2026

Market Position · Paducah, KY-IL · 2026 SOD (annual) · 8.8% share · #5 of 15 inst. · $0.3B of $3.3B

87.5% Carlisle
1.4% McCracken
10.0% Ballard

Executive Summary

  • Earnings: ROA of 1.26%, up 13 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.94% of loans (+26 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 13.66%, down 58 bps from a year ago.
  • Funding: loans stand at 86.71% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.26%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.37%-4 bps YoY

Efficiency Ratio (YTD, annualized)

56.08%-398 bps YoY

Tier 1 Leverage Ratio

13.66%-58 bps YoY

NIM

5.74%Q2 ’246.01%Q2 ’255.80%Q2 ’26+13%-1%

Non-interest income vs. expense

2.22%Q2 ’242.21%Q2 ’252.06%Q2 ’26+0%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.94%1.03%1.13%1.14%1.15%1.16%1.26%+13 bps
Return on Equity7.43%8.15%9.19%9.99%10.03%10.09%10.16%10.86%+86 bps
Net Interest Margin3.01%3.00%3.33%3.41%3.28%3.25%3.29%3.37%-4 bps
Efficiency Ratio66.08%63.70%62.49%60.06%59.06%58.90%58.17%56.08%-398 bps
Non-Interest Burden1.89%1.81%1.98%1.94%1.83%1.81%1.80%1.76%-18 bps
Growth
Asset Growth (YoY)6.71%4.66%7.04%5.88%7.36%10.83%7.72%8.73%+285 bps
Loan Growth (YoY)8.46%6.89%8.18%8.70%6.50%8.24%7.57%7.29%-141 bps
Deposit Growth (YoY)5.67%6.67%9.23%6.58%7.66%9.89%6.52%8.72%+214 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.67%0.96%0.68%0.16%0.67%0.70%0.94%+26 bps
Net Charge-Offs / Loans-0.02%-0.01%0.01%0.01%0.01%0.01%0.01%0.02%0 bps
Allowance / Loans2.05%2.02%2.07%1.98%1.96%1.91%1.96%1.89%-10 bps
Allowance Coverage of NPLs4.1x3.0x2.1x2.9x12.2x2.9x2.8x2.0x-0.9x
Capital
Tier 1 Leverage Ratio14.33%14.14%14.14%14.24%13.76%13.53%13.40%13.66%-58 bps
Total Risk-Based Capital14.33%14.14%14.14%14.24%13.76%13.53%13.40%13.66%-58 bps
Equity / Assets11.85%11.14%11.27%11.43%11.72%11.38%11.52%11.82%+39 bps
Liquidity & Funding
Loans / Deposits87.99%85.83%82.95%87.86%87.04%84.55%83.76%86.71%-115 bps
Liquid Assets / Assets2.08%2.79%5.02%1.97%4.03%4.44%3.55%3.61%+164 bps
CRE / Total Capitaln/an/an/an/a75.73%77.85%76.78%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 Deposit Bank of Arlington, Inc.

Arlington, KY · Cert 16852 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Carlisle Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$348.2MAssets
$249.5MLoans
$287.8MDeposits
$41.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 74% of banks under $1B in assets operating in a single state (rank 195 of 746).
  • Widest gap: nonperforming loans / loans trails 71% of banks under $1B in assets operating in a single state (rank 531 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.25%

Rank 269 of 746

Net Interest Margin

3.37%

Rank 498 of 746

Efficiency Ratio

56.08%

Rank 195 of 746

Equity / Assets

11.82%

Rank 248 of 746

Non-interest income vs. expense

$1.0M$7.2MINCOMEEXPENSE
Unfavorable gap of $6.2M · efficiency ratio beats 74% of banks under $1B in assets operating in a single state
Bank 56.08%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.25%0.72%1.06%1.45%Beats 64%269 / 746
Return on Equity10.57%6.74%10.51%13.63%Beats 50%370 / 746
Net Interest Margin3.37%3.17%3.68%4.16%Beats 33%498 / 746
Efficiency Ratio56.08%55.74%64.58%75.47%Beats 74%195 / 746
Asset Quality
Nonperforming Loans / Loans0.94%0.09%0.42%1.07%Beats 29%531 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 48%390 / 743
Capital
Tier 1 Capital Ratio13.66%11.55%13.75%17.60%Beats 49%379 / 746
Total Risk-Based Capital Ratio13.66%11.71%14.33%18.43%Beats 44%420 / 746
Equity / Assets11.82%8.90%10.51%13.06%Beats 67%248 / 746
Liquidity & Funding
Loans / Deposits86.71%61.31%78.27%90.78%68th pctl242 / 746
Loans / Assets71.66%53.60%66.97%76.08%61st pctl288 / 746
Brokered Deposits / Depositsn/aNot reported for this institution