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Letter portraitLegal landscapeQuarterYTD

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 $10.5MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $241.2M16%Noninterest $46.6MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.14%1.15%1.16%1.26%+13 bps
Return on Equity9.99%10.03%10.09%10.16%10.86%+86 bps
Net Interest Margin3.41%3.28%3.25%3.29%3.37%-4 bps
Efficiency Ratio60.06%59.06%58.90%58.17%56.08%-398 bps
Non-Interest Burden1.94%1.83%1.81%1.80%1.76%-18 bps
Growth
Asset Growth (YoY)5.88%7.36%10.83%7.72%8.73%+285 bps
Loan Growth (YoY)8.70%6.50%8.24%7.57%7.29%-141 bps
Deposit Growth (YoY)6.58%7.66%9.89%6.52%8.72%+214 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.16%0.67%0.70%0.94%+26 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.02%0 bps
Allowance / Loans1.98%1.96%1.91%1.96%1.89%-10 bps
Allowance Coverage of NPLs2.9x12.2x2.9x2.8x2.0x-0.9x
Capital
Tier 1 Leverage Ratio14.24%13.76%13.53%13.40%13.66%-58 bps
Total Risk-Based Capital14.24%13.76%13.53%13.40%13.66%-58 bps
Equity / Assets11.43%11.72%11.38%11.52%11.82%+39 bps
Liquidity & Funding
Loans / Deposits87.86%87.04%84.55%83.76%86.71%-115 bps
Liquid Assets / Assets1.97%4.03%4.44%3.55%3.61%+164 bps
CRE / Total Capitaln/a75.73%77.85%76.78%n/an/a