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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