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Citizens Bank, The

Batesville, AR · Cert 17211 · Citizens Bancshares Batesville

State charter, Fed member · FED · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

18

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

84

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 Bank, The

Batesville, AR · Cert 17211 · Citizens Bancshares Batesville

State charter, Fed member · FED · 16 branches

Q2 2026

$1.6BAssets
$1.3BLoans
$1.5BDeposits
$145.4MEquity
Loan mix
85%RE $1.0B14%C&I $0.2B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $1.3B14%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.38%Q2 ’245.34%Q2 ’255.27%Q2 ’26+10%+5%

Non-interest income vs. expense

2.19%Q2 ’241.90%Q2 ’251.81%Q2 ’26-15%-11%

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.8% share · #17 of 42 inst. · $0.3B of $36.9B

38.3% Independence
1.0% Pulaski
1.0% Washington
2.5% Garland

Executive Summary

  • Earnings: ROA of 1.55%, up 15 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.37% of loans (+9 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 8.87%, up 43 bps from a year ago.
  • Funding: loans stand at 86.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.55%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+15 bps YoY

Efficiency Ratio (YTD, annualized)

48.19%-558 bps YoY

Tier 1 Leverage Ratio

8.87%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.42%1.32%1.53%1.55%+15 bps
Return on Equity16.92%17.14%15.90%17.50%17.58%+66 bps
Net Interest Margin3.15%3.37%3.18%3.38%3.30%+15 bps
Efficiency Ratio53.77%52.62%53.18%48.08%48.19%-558 bps
Non-Interest Burden1.50%1.57%1.50%1.36%1.34%-16 bps
Growth
Asset Growth (YoY)2.92%3.97%7.64%4.99%8.93%+602 bps
Loan Growth (YoY)-3.41%-2.42%2.68%4.82%4.85%+826 bps
Deposit Growth (YoY)2.77%3.68%10.72%3.96%8.47%+570 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.29%0.32%0.38%0.37%+9 bps
Net Charge-Offs / Loans0.17%0.17%0.18%0.12%0.08%-8 bps
Allowance / Loans1.38%1.36%1.40%1.45%1.47%+9 bps
Allowance Coverage of NPLs4.8x4.7x4.4x3.8x3.9x-0.9x
Capital
Tier 1 Leverage Ratio8.45%9.05%8.48%9.11%8.87%+43 bps
Total Risk-Based Capital11.43%11.40%11.18%11.57%11.61%+18 bps
Equity / Assets8.43%8.20%8.45%9.08%8.99%+56 bps
Liquidity & Funding
Loans / Deposits89.47%84.86%87.23%88.73%86.49%-298 bps
Liquid Assets / Assets6.48%10.05%7.83%6.15%8.51%+202 bps
CRE / Total Capitaln/a453%452%427%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 Bank, The

Batesville, AR · Cert 17211 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Citizens Bancshares Batesville

State charter, Fed member · FED · 16 branches

Q2 2026

$1.6BAssets
$1.3BLoans
$1.5BDeposits
$145.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 88% of banks $1B-$10B in assets operating in a single state (rank 30 of 258).
  • Widest gap: tier 1 capital ratio trails 88% of banks $1B-$10B in assets operating in a single state (rank 226 of 258).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.54%

Rank 65 of 258

Net Interest Margin

3.30%

Rank 170 of 258

Efficiency Ratio

48.24%

Rank 43 of 257

Equity / Assets

8.99%

Rank 200 of 258

Non-interest income vs. expense

$7.8M$30.3MINCOMEEXPENSE
Unfavorable gap of $22.5M · efficiency ratio beats 84% of banks $1B-$10B in assets operating in a single state
Bank 48.24%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.54%0.93%1.23%1.54%Beats 75%65 / 258
Return on Equity17.07%9.26%11.84%14.74%Beats 88%30 / 258
Net Interest Margin3.30%3.16%3.49%3.88%Beats 34%170 / 258
Efficiency Ratio48.24%51.71%60.30%69.65%Beats 84%43 / 257
Asset Quality
Nonperforming Loans / Loans0.37%0.19%0.46%0.90%Beats 58%110 / 258
Net Charge-Offs / Loans0.05%0.01%0.02%0.07%Beats 30%181 / 258
Capital
Tier 1 Capital Ratio10.36%11.41%12.98%15.12%Beats 12%226 / 258
Total Risk-Based Capital Ratio11.61%12.10%13.91%16.08%Beats 20%206 / 258
Equity / Assets8.99%9.09%10.24%11.72%Beats 22%200 / 258
Liquidity & Funding
Loans / Deposits86.49%73.24%86.34%95.95%51st pctl126 / 258
Loans / Assets78.40%63.01%72.27%78.40%75th pctl65 / 258
Brokered Deposits / Depositsn/aNot reported for this institution