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Citizens Bank of Edinburg

Edinburg, IL · Cert 20454 · CB Edinburg Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

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 IL (n=149 to 151). 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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

59

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 Edinburg

Edinburg, IL · Cert 20454 · CB Edinburg Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$29.0MAssets
$8.5MLoans
$25.4MDeposits
$3.3MEquity
Loan mix
83%RE $6.5M13%C&I $1.0M4%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $19.4M24%Noninterest $6.0MQ2 2025Q2 2026

NIM

3.88%Q2 ’244.01%Q2 ’254.01%Q2 ’26+8%+1%

Non-interest income vs. expense

2.10%Q2 ’241.92%Q2 ’252.12%Q2 ’26-8%+15%

Executive Summary

  • Earnings: ROA of 0.95%, down 16 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.93%, up 159 bps from a year ago.
  • Funding: loans stand at 33.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+3 bps YoY

Efficiency Ratio (YTD, annualized)

62.05%+612 bps YoY

Tier 1 Leverage Ratio

11.93%+159 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.15%1.08%0.96%0.95%-16 bps
Return on Equity12.02%12.27%11.25%9.04%8.72%-331 bps
Net Interest Margin3.19%3.23%3.26%3.07%3.22%+3 bps
Efficiency Ratio55.93%55.26%57.47%61.04%62.05%+612 bps
Non-Interest Burden1.68%1.67%1.77%1.80%1.92%+25 bps
Growth
Asset Growth (YoY)3.06%0.03%-3.91%-10.37%-6.08%-914 bps
Loan Growth (YoY)-8.73%-4.58%-7.51%-2.31%-2.05%+668 bps
Deposit Growth (YoY)2.03%-1.36%-5.85%-12.53%-7.70%-974 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.01%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.74%1.63%1.74%1.74%1.78%+5 bps
Allowance Coverage of NPLsn/an/a150.0xn/an/an/an/a
Capital
Tier 1 Leverage Ratio10.34%10.64%10.70%11.15%11.93%+159 bps
Total Risk-Based Capital10.34%10.64%10.70%11.15%11.93%+159 bps
Equity / Assets9.97%9.85%10.49%10.74%11.45%+147 bps
Liquidity & Funding
Loans / Deposits31.37%31.86%31.69%32.41%33.29%+192 bps
Liquid Assets / Assets51.31%43.85%41.01%46.98%44.10%-722 bps
CRE / Total Capitaln/a131.17%127.66%129.76%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 Edinburg

Edinburg, IL · Cert 20454 · Peer group: banks under $1B in assets in IL (n=149-151) · CB Edinburg Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$29.0MAssets
$8.5MLoans
$25.4MDeposits
$3.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
  • Widest gap: total risk-based capital ratio trails 79% of banks under $1B in assets in IL (rank 119 of 151).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.98%

Rank 85 of 151

Net Interest Margin

3.22%

Rank 101 of 151

Efficiency Ratio

62.05%

Rank 63 of 151

Equity / Assets

11.45%

Rank 54 of 151

Non-interest income vs. expense

$56K$618KINCOMEEXPENSE
Unfavorable gap of $562K · efficiency ratio beats 59% of banks under $1B in assets in IL
Bank 62.05%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.98%0.70%1.03%1.34%Beats 44%85 / 151
Return on Equity8.57%6.74%9.34%12.94%Beats 43%86 / 151
Net Interest Margin3.22%3.02%3.43%3.83%Beats 33%101 / 151
Efficiency Ratio62.05%54.64%64.89%72.50%Beats 59%63 / 151
Asset Quality
Nonperforming Loans / Loans0.00%0.20%0.66%1.77%Beats 100%14 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 149
Capital
Tier 1 Capital Ratio11.93%11.83%14.17%18.66%Beats 26%111 / 151
Total Risk-Based Capital Ratio11.93%12.22%14.54%19.92%Beats 21%119 / 151
Equity / Assets11.45%9.10%10.65%12.40%Beats 64%54 / 151
Liquidity & Funding
Loans / Deposits33.29%54.39%71.02%80.75%2nd pctl146 / 149
Loans / Assets29.23%45.91%61.31%68.01%4th pctl145 / 151
Brokered Deposits / Depositsn/aNot reported for this institution