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Letter portraitLegal landscapeQuarterYTD

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 $0.3MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $19.4M24%Noninterest $6.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.88%1.07%1.11%1.15%1.08%0.96%0.95%-16 bps
Return on Equity10.08%9.98%12.12%12.02%12.27%11.25%9.04%8.72%-331 bps
Net Interest Margin2.91%2.81%2.98%3.19%3.23%3.26%3.07%3.22%+3 bps
Efficiency Ratio62.97%63.33%55.85%55.93%55.26%57.47%61.04%62.05%+612 bps
Non-Interest Burden1.73%1.68%1.57%1.68%1.67%1.77%1.80%1.92%+25 bps
Growth
Asset Growth (YoY)3.46%3.94%11.19%3.06%0.03%-3.91%-10.37%-6.08%-914 bps
Loan Growth (YoY)-13.45%-9.37%-11.40%-8.73%-4.58%-7.51%-2.31%-2.05%+668 bps
Deposit Growth (YoY)2.50%3.47%11.10%2.03%-1.36%-5.85%-12.53%-7.70%-974 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.01%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.56%1.62%1.70%1.74%1.63%1.74%1.74%1.78%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/a150.0xn/an/an/an/a
Capital
Tier 1 Leverage Ratio10.02%9.50%9.59%10.34%10.64%10.70%11.15%11.93%+159 bps
Total Risk-Based Capital20.25%9.50%9.59%10.34%10.64%10.70%11.15%11.93%+159 bps
Equity / Assets8.78%8.89%8.83%9.97%9.85%10.49%10.74%11.45%+147 bps
Liquidity & Funding
Loans / Deposits32.94%32.26%29.02%31.37%31.86%31.69%32.41%33.29%+192 bps
Liquid Assets / Assets48.85%52.65%56.30%51.31%43.85%41.01%46.98%44.10%-722 bps
CRE / Total Capitaln/an/an/an/a131.17%127.66%129.76%n/an/a