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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

5.57%Q2 ’245.56%Q2 ’255.41%Q2 ’26+10%+3%

Non-interest income vs. expense

2.23%Q2 ’241.95%Q2 ’251.86%Q2 ’26-16%-10%

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 1.59%, up 10 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.37% of loans (+9 bps YoY), with net charge-offs at 0.05%.
  • 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 (quarter, annualized)

1.59%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.40%+9 bps YoY

Efficiency Ratio (quarter, annualized)

48.30%-433 bps YoY

Tier 1 Leverage Ratio

8.87%+43 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.47%1.04%1.53%1.59%+10 bps
Return on Equity17.81%17.67%12.47%17.50%17.55%-26 bps
Net Interest Margin3.31%3.52%3.38%3.38%3.40%+9 bps
Efficiency Ratio52.62%50.45%54.73%48.08%48.30%-433 bps
Non-Interest Burden1.54%1.55%1.66%1.36%1.39%-15 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 / Loans0.15%0.20%0.22%0.12%0.05%-10 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