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Citizens' Bank of Charleston

Charleston, MO · Cert 17830 · Citizens Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MO3

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 under $1B in assets in MO (n=82 to 83). 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

91

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

96

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 of Charleston

Charleston, MO · Cert 17830 · Citizens Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$185.1MAssets
$150.6MLoans
$146.6MDeposits
$37.7MEquity
Loan mix
58%RE $63.3M24%C&I $25.7M18%Consumer $19.3MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $124.2M15%Noninterest $22.4MQ2 2025Q2 2026

NIM

5.98%Q2 ’246.13%Q2 ’256.26%Q2 ’260%+5%

Non-interest income vs. expense

2.02%Q2 ’242.22%Q2 ’251.98%Q2 ’26+12%-14%

Executive Summary

  • Earnings: ROA of 2.47%, up 39 bps year over year; NIM at 4.76%.
  • Asset quality: problem loans at 0.83% of loans (+22 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 20.51%, up 29 bps from a year ago.
  • Funding: loans stand at 102.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.47%+39 bps YoY

Net Interest Margin (YTD, annualized)

4.76%+24 bps YoY

Efficiency Ratio (YTD, annualized)

37.94%-672 bps YoY

Tier 1 Leverage Ratio

20.51%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.08%2.12%1.97%2.36%2.47%+39 bps
Return on Equity10.86%10.96%10.23%12.22%12.57%+170 bps
Net Interest Margin4.52%4.61%4.53%4.53%4.76%+24 bps
Efficiency Ratio44.66%43.90%47.38%39.49%37.94%-672 bps
Non-Interest Burden1.78%1.77%1.87%1.51%1.53%-25 bps
Growth
Asset Growth (YoY)0.86%3.23%1.61%2.77%5.46%+460 bps
Loan Growth (YoY)12.34%16.65%11.87%14.31%7.24%-510 bps
Deposit Growth (YoY)-1.01%2.50%0.47%2.10%5.37%+638 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.65%0.91%1.03%0.83%+22 bps
Net Charge-Offs / Loans0.09%0.06%0.07%0.03%0.08%0 bps
Allowance / Loans1.12%1.12%1.32%1.29%1.18%+6 bps
Allowance Coverage of NPLs1.8x1.7x1.5x1.3x1.4x-0.4x
Capital
Tier 1 Leverage Ratio20.22%20.24%19.22%19.46%20.51%+29 bps
Total Risk-Based Capital20.22%20.24%19.22%19.46%20.51%+29 bps
Equity / Assets20.30%19.77%18.88%19.72%20.36%+6 bps
Liquidity & Funding
Loans / Deposits100.92%101.79%91.46%95.89%102.71%+179 bps
Liquid Assets / Assets1.92%1.84%6.03%11.69%4.39%+247 bps
CRE / Total Capitaln/a32.76%33.98%33.62%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 of Charleston

Charleston, MO · Cert 17830 · Peer group: banks under $1B in assets in MO (n=82-83) · Citizens Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$185.1MAssets
$150.6MLoans
$146.6MDeposits
$37.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks under $1B in assets in MO (rank 1 of 83).
  • Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets in MO (rank 62 of 82).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.48%

Rank 1 of 83

Net Interest Margin

4.76%

Rank 10 of 83

Efficiency Ratio

37.94%

Rank 4 of 83

Equity / Assets

20.36%

Rank 3 of 83

Non-interest income vs. expense

$0.8M$3.7MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 96% of banks under $1B in assets in MO
Bank 37.94%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.48%0.96%1.32%1.75%Beats 99%1 / 83
Return on Equity12.20%9.66%12.96%15.76%Beats 41%49 / 83
Net Interest Margin4.76%3.35%3.85%4.16%Beats 88%10 / 83
Efficiency Ratio37.94%49.83%58.83%68.51%Beats 96%4 / 83
Asset Quality
Nonperforming Loans / Loans0.83%0.08%0.51%1.01%Beats 35%54 / 82
Net Charge-Offs / Loans0.06%0.00%0.01%0.06%Beats 26%62 / 82
Capital
Tier 1 Capital Ratio20.51%11.01%12.49%14.98%Beats 90%8 / 83
Total Risk-Based Capital Ratio20.51%11.13%13.01%15.10%Beats 88%10 / 83
Equity / Assets20.36%8.83%10.71%13.29%Beats 96%3 / 83
Liquidity & Funding
Loans / Deposits102.71%69.28%83.22%91.21%91st pctl7 / 82
Loans / Assets81.34%59.34%71.15%78.36%84th pctl13 / 83
Brokered Deposits / Depositsn/aNot reported for this institution