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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