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Citizens State Bank

Carleton, NE · Cert 18724 · Carleton Agency Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$35.6MAssets
$31.4MLoans
$27.8MDeposits
$4.0MEquity
Loan mix
75%RE $11.9M15%C&I $2.4M10%Consumer $1.6MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $24.6M12%Noninterest $3.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.48%, up 51 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 0.00% of loans (-99 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.43%, up 23 bps from a year ago.
  • Funding: loans stand at 112.95% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.48%+51 bps YoY

Net Interest Margin (quarter, annualized)

4.54%+43 bps YoY

Efficiency Ratio (quarter, annualized)

62.41%-716 bps YoY

Tier 1 Leverage Ratio

11.43%+23 bps YoY

NIM

6.60%Q2 ’246.61%Q2 ’256.84%Q2 ’26+4%+10%

Non-interest income vs. expense

2.86%Q2 ’242.99%Q2 ’252.98%Q2 ’26+5%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%0.51%1.27%0.96%0.20%1.17%1.55%1.48%+51 bps
Return on Equity11.91%4.95%11.77%8.77%1.89%11.35%14.17%12.98%+421 bps
Net Interest Margin3.89%3.79%4.10%4.11%4.46%4.02%4.50%4.54%+43 bps
Efficiency Ratio64.53%72.53%62.95%69.57%59.05%66.58%55.32%62.41%-716 bps
Non-Interest Burden2.45%2.69%2.50%2.80%2.56%2.54%2.29%2.75%-6 bps
Growth
Asset Growth (YoY)12.76%-1.44%3.68%5.18%4.68%11.00%3.84%8.27%+309 bps
Loan Growth (YoY)14.76%10.00%15.30%9.98%6.99%9.35%12.25%9.81%-17 bps
Deposit Growth (YoY)16.28%-5.70%-1.43%2.53%9.42%19.26%9.26%9.03%+651 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.99%0.00%0.00%0.00%0.00%-99 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.20%1.63%-0.01%0.00%0.00%-20 bps
Allowance / Loans0.74%0.74%0.79%0.70%0.67%0.66%0.73%0.72%+2 bps
Allowance Coverage of NPLsn/an/an/a0.7xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.52%10.57%11.44%11.20%10.52%10.49%11.29%11.43%+23 bps
Total Risk-Based Capital10.52%10.57%11.44%11.20%10.52%10.49%11.29%11.43%+23 bps
Equity / Assets10.13%10.50%11.00%10.95%10.36%10.29%11.59%11.19%+24 bps
Liquidity & Funding
Loans / Deposits115.56%118.24%107.06%112.16%112.99%108.41%109.99%112.95%+79 bps
Liquid Assets / Assets9.96%10.07%10.25%9.21%7.95%7.00%7.57%6.45%-275 bps
CRE / Total Capitaln/an/an/an/a25.97%33.29%31.14%n/an/a