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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

5.82%Q2 ’246.12%Q2 ’255.90%Q2 ’26+15%-1%

Non-interest income vs. expense

2.20%Q2 ’242.19%Q2 ’252.04%Q2 ’26+0%-10%

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 1.36%, up 13 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.94% of loans (+26 bps YoY), with net charge-offs at 0.03%.
  • 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 (quarter, annualized)

1.36%+13 bps YoY

Net Interest Margin (quarter, annualized)

3.46%-5 bps YoY

Efficiency Ratio (quarter, annualized)

54.11%-366 bps YoY

Tier 1 Leverage Ratio

13.66%-58 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.18%1.17%1.16%1.36%+13 bps
Return on Equity10.78%10.21%10.10%10.16%11.63%+85 bps
Net Interest Margin3.51%3.38%3.36%3.29%3.46%-5 bps
Efficiency Ratio57.77%57.14%58.44%58.17%54.11%-366 bps
Non-Interest Burden1.91%1.81%1.85%1.80%1.72%-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 / Loans0.02%0.00%0.00%0.01%0.03%+1 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