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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 1.49%, up 38 bps year over year; NIM at 4.48%.
  • 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 (YTD, annualized)

1.49%+38 bps YoY

Net Interest Margin (YTD, annualized)

4.48%+46 bps YoY

Efficiency Ratio (YTD, annualized)

58.83%-749 bps YoY

Tier 1 Leverage Ratio

11.43%+23 bps YoY

NIM

6.46%Q2 ’246.48%Q2 ’256.73%Q2 ’26+4%+11%

Non-interest income vs. expense

2.74%Q2 ’242.80%Q2 ’252.83%Q2 ’26+1%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%0.95%1.27%1.11%0.79%0.89%1.55%1.49%+38 bps
Return on Equity10.87%9.35%11.77%10.26%7.43%8.43%14.17%13.57%+331 bps
Net Interest Margin3.73%3.73%4.10%4.02%3.99%3.91%4.50%4.48%+46 bps
Efficiency Ratio66.67%68.17%62.95%66.32%63.63%64.42%55.32%58.83%-749 bps
Non-Interest Burden2.43%2.48%2.50%2.60%2.47%2.43%2.29%2.49%-10 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%0.10%0.61%0.44%0.00%0.00%-10 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