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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