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Citizens State Bank

Sheldon, IA · Cert 18356 · Dixon Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$194.7MAssets
$131.6MLoans
$166.1MDeposits
$24.7MEquity
Loan mix
82%RE $80.4M12%C&I $12.1M6%Consumer $6.0MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $128.5M23%Noninterest $37.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.42%, up 28 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.45%, up 73 bps from a year ago.
  • Funding: loans stand at 79.25% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.42%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.45%+51 bps YoY

Efficiency Ratio (quarter, annualized)

45.58%-933 bps YoY

Tier 1 Leverage Ratio

12.45%+73 bps YoY

NIM

4.26%Q2 ’244.52%Q2 ’254.85%Q2 ’26+27%+17%

Non-interest income vs. expense

1.56%Q2 ’241.76%Q2 ’251.71%Q2 ’26+19%-5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%1.52%1.01%1.14%1.16%1.29%1.42%1.42%+28 bps
Return on Equity8.95%13.64%8.97%9.90%10.01%11.07%11.99%11.49%+159 bps
Net Interest Margin2.41%2.72%2.88%2.94%3.14%3.17%3.28%3.45%+51 bps
Efficiency Ratio56.69%49.09%58.00%54.91%54.28%44.39%48.14%45.58%-933 bps
Non-Interest Burden1.25%0.87%1.57%1.52%1.60%0.95%1.45%1.44%-8 bps
Growth
Asset Growth (YoY)2.08%-0.16%-5.72%-2.71%4.71%8.13%6.20%3.30%+601 bps
Loan Growth (YoY)7.35%5.79%3.25%5.75%6.80%6.47%7.86%7.35%+160 bps
Deposit Growth (YoY)3.30%4.50%6.29%10.42%10.85%7.46%5.52%0.21%-1,021 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.00%0.00%0.00%0.00%0.00%0.03%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.13%1.09%1.09%1.06%1.05%1.24%1.22%1.20%+14 bps
Allowance Coverage of NPLs6.5xn/an/a1304.0x260.8xn/a45.1xn/an/a
Capital
Tier 1 Leverage Ratio10.69%11.46%11.89%11.72%12.18%11.74%12.00%12.45%+73 bps
Total Risk-Based Capital10.69%11.46%11.89%11.72%12.18%11.74%12.00%12.45%+73 bps
Equity / Assets11.10%11.16%11.44%11.53%11.65%11.72%11.98%12.69%+116 bps
Liquidity & Funding
Loans / Deposits75.95%73.49%73.34%73.98%73.17%72.81%74.97%79.25%+527 bps
Liquid Assets / Assets14.39%14.06%14.24%14.85%17.12%17.43%17.44%11.69%-316 bps
CRE / Total Capitaln/an/an/an/a47.04%47.18%46.65%n/an/a