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Citizens Bank & Trust Company

Big Timber, MT · Cert 1972 · CBT Corp. Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$155.4MAssets
$96.4MLoans
$127.2MDeposits
$16.4MEquity
Loan mix
85%RE $69.3M10%C&I $8.2M4%Consumer $3.6MQ2 2025Q2 2026
Deposit mix
62%Interest-bearing $78.8M38%Noninterest $48.4MQ2 2025Q2 2026

NIM

4.50%Q2 ’245.08%Q2 ’254.91%Q2 ’26+11%+2%

Non-interest income vs. expense

2.12%Q2 ’242.01%Q2 ’252.14%Q2 ’26-7%+9%

Executive Summary

  • Earnings: ROA of 1.55%, up 9 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 3.15% of loans (+306 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.92%, up 30 bps from a year ago.
  • Funding: loans stand at 75.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.55%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.89%+6 bps YoY

Efficiency Ratio (quarter, annualized)

51.50%+269 bps YoY

Tier 1 Leverage Ratio

9.92%+30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.59%0.28%1.32%1.55%+9 bps
Return on Equity14.69%15.65%2.79%13.12%15.05%+37 bps
Net Interest Margin3.82%3.88%4.09%4.02%3.89%+6 bps
Efficiency Ratio48.81%50.24%74.10%50.59%51.50%+269 bps
Non-Interest Burden1.67%1.71%2.92%1.86%1.82%+15 bps
Growth
Asset Growth (YoY)11.37%11.98%7.77%6.83%1.13%-1,024 bps
Loan Growth (YoY)9.94%10.14%14.55%16.97%17.68%+773 bps
Deposit Growth (YoY)3.09%8.16%7.12%10.73%8.31%+522 bps
Asset Quality
Nonperforming Loans / Loans0.09%2.04%2.39%3.17%3.15%+306 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans1.96%1.90%2.08%2.15%2.13%+17 bps
Allowance Coverage of NPLs22.6x0.9x0.9x0.7x0.7x-22.0x
Capital
Tier 1 Leverage Ratio9.62%9.81%9.29%9.28%9.92%+30 bps
Total Risk-Based Capital17.30%17.31%17.36%15.95%16.21%-109 bps
Equity / Assets10.01%10.26%10.12%9.95%10.58%+58 bps
Liquidity & Funding
Loans / Deposits69.80%72.09%68.00%69.40%75.84%+604 bps
Liquid Assets / Assets17.43%18.10%19.17%14.86%12.44%-499 bps
CRE / Total Capitaln/a192.27%208%219%n/an/a