PackageTrendsPeer
Letter portraitLegal landscape

Citizens Bank of Ada

Ada, OK · Cert 19679 · Citizensada Financial Corp.

State charter, non-member · FDIC · 3 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 OK3

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 OK (n=88 to 89). 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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

46

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 Ada

Ada, OK · Cert 19679 · Citizensada Financial Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$353.7MAssets
$191.1MLoans
$310.7MDeposits
$32.6MEquity
Loan mix
80%RE $146.4M16%C&I $30.1M4%Consumer $7.4MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $224.4M28%Noninterest $86.3MQ2 2025Q2 2026

NIM

5.16%Q2 ’245.34%Q2 ’255.23%Q2 ’26+5%-3%

Non-interest income vs. expense

3.18%Q2 ’243.22%Q2 ’253.02%Q2 ’26+7%-2%

Executive Summary

  • Earnings: ROA of 1.42%, unchanged from a year ago; NIM at 4.11%.
  • Asset quality: problem loans at 0.68% of loans (+68 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.50%, down 10 bps from a year ago.
  • Funding: loans stand at 61.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%0 bps YoY

Net Interest Margin (YTD, annualized)

4.11%-13 bps YoY

Efficiency Ratio (YTD, annualized)

62.39%-49 bps YoY

Tier 1 Leverage Ratio

9.50%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.47%1.51%1.33%1.42%0 bps
Return on Equity16.46%16.42%16.94%14.70%15.57%-89 bps
Net Interest Margin4.24%4.24%4.24%4.23%4.11%-13 bps
Efficiency Ratio62.88%61.72%60.53%63.99%62.39%-49 bps
Non-Interest Burden2.34%2.29%2.24%2.47%2.29%-5 bps
Growth
Asset Growth (YoY)5.87%6.56%4.53%4.23%8.66%+278 bps
Loan Growth (YoY)7.30%4.25%3.47%5.98%6.22%-108 bps
Deposit Growth (YoY)6.05%8.46%4.90%5.36%10.56%+451 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.68%+68 bps
Net Charge-Offs / Loans0.02%0.01%0.00%-0.01%-0.01%-3 bps
Allowance / Loans1.16%1.20%1.23%1.23%1.22%+6 bps
Allowance Coverage of NPLsn/an/a445.0x455.2x1.8xn/a
Capital
Tier 1 Leverage Ratio9.60%10.04%9.25%9.42%9.50%-10 bps
Total Risk-Based Capital18.92%20.12%18.80%9.42%9.50%-941 bps
Equity / Assets9.25%9.87%8.86%9.28%9.21%-4 bps
Liquidity & Funding
Loans / Deposits64.03%63.02%60.27%62.40%61.51%-251 bps
Liquid Assets / Assets16.98%16.94%20.98%15.63%17.18%+20 bps
CRE / Total Capitaln/a168.21%177.38%163.51%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 Ada

Ada, OK · Cert 19679 · Peer group: banks under $1B in assets in OK (n=88-89) · Citizensada Financial Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$353.7MAssets
$191.1MLoans
$310.7MDeposits
$32.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in OK (rank 85 of 89).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.39%

Rank 33 of 89

Net Interest Margin

4.11%

Rank 37 of 89

Efficiency Ratio

62.39%

Rank 49 of 89

Equity / Assets

9.21%

Rank 69 of 89

Non-interest income vs. expense

$2.6M$10.7MINCOMEEXPENSE
Unfavorable gap of $8.1M · efficiency ratio beats 46% of banks under $1B in assets in OK
Bank 62.39%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%0.85%1.26%1.60%Beats 63%33 / 89
Return on Equity15.05%7.40%11.89%14.65%Beats 78%20 / 89
Net Interest Margin4.11%3.46%3.93%4.45%Beats 58%37 / 89
Efficiency Ratio62.39%54.70%60.95%71.14%Beats 46%49 / 89
Asset Quality
Nonperforming Loans / Loans0.68%0.30%0.82%2.25%Beats 55%41 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 100%15 / 88
Capital
Tier 1 Capital Ratio9.50%10.89%13.00%16.33%Beats 4%85 / 89
Total Risk-Based Capital Ratio9.50%11.20%13.06%16.33%Beats 4%85 / 89
Equity / Assets9.21%9.26%10.94%13.52%Beats 22%69 / 89
Liquidity & Funding
Loans / Deposits61.51%61.51%72.27%84.01%25th pctl66 / 88
Loans / Assets54.03%52.51%63.15%71.27%28th pctl64 / 89
Brokered Deposits / Depositsn/aNot reported for this institution