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Citizens Bank

Butler, MO · Cert 22601 · Amsterdam Bancshares Inc.

State charter, non-member · FDIC · 10 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 the Kansas City, MO-KS area3

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 the Kansas City, MO-KS area (n=39 to 40). 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

16

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

43

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

Butler, MO · Cert 22601 · Amsterdam Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$188.1MAssets
$170.4MLoans
$171.1MDeposits
$14.8MEquity
Loan mix
92%RE $148.6M5%C&I $8.5M2%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $109.8M36%Noninterest $61.3MQ2 2025Q2 2026

NIM

6.93%Q2 ’247.27%Q2 ’256.97%Q2 ’26+7%-3%

Non-interest income vs. expense

3.46%Q2 ’243.60%Q2 ’253.80%Q2 ’26+4%+8%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #65 of 114 inst. · $0.1B of $99.1B

25.0% Bates
1.6% Cass
9.3% Barton
2.2% Bourbon

Executive Summary

  • Earnings: ROA of 1.91%, down 34 bps year over year; NIM at 5.93%.
  • Asset quality: problem loans at 0.20% of loans (+8 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 7.73%, down 147 bps from a year ago.
  • Funding: loans stand at 99.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.91%-34 bps YoY

Net Interest Margin (YTD, annualized)

5.93%-21 bps YoY

Efficiency Ratio (YTD, annualized)

59.85%+547 bps YoY

Tier 1 Leverage Ratio

7.73%-147 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.25%2.22%2.22%1.84%1.91%-34 bps
Return on Equity24.16%24.03%24.44%22.98%23.98%-18 bps
Net Interest Margin6.14%6.25%6.23%5.83%5.93%-21 bps
Efficiency Ratio54.38%54.84%55.19%60.12%59.85%+547 bps
Non-Interest Burden3.21%3.30%3.32%3.42%3.46%+25 bps
Growth
Asset Growth (YoY)1.83%-0.38%-0.88%0.73%0.21%-163 bps
Loan Growth (YoY)5.15%4.99%7.05%5.73%6.56%+141 bps
Deposit Growth (YoY)2.62%0.56%-1.13%2.26%0.87%-175 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.15%0.10%0.13%0.20%+8 bps
Net Charge-Offs / Loans0.01%0.01%0.04%0.00%0.01%0 bps
Allowance / Loans1.12%1.12%1.09%1.08%1.08%-4 bps
Allowance Coverage of NPLs9.8x7.5x11.1x8.6x5.5x-4.3x
Capital
Tier 1 Leverage Ratio9.20%9.13%8.22%7.89%7.73%-147 bps
Total Risk-Based Capital12.62%12.29%11.27%10.76%10.90%-172 bps
Equity / Assets9.31%9.04%8.33%7.69%7.86%-144 bps
Liquidity & Funding
Loans / Deposits94.27%95.23%99.28%93.79%99.59%+532 bps
Liquid Assets / Assets3.60%2.90%1.28%6.03%1.66%-194 bps
CRE / Total Capitaln/a285%311%322%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

Butler, MO · Cert 22601 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Amsterdam Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$188.1MAssets
$170.4MLoans
$171.1MDeposits
$14.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks under $1B in assets in the Kansas City, MO-KS area (rank 2 of 40).
  • Widest gap: tier 1 capital ratio trails 90% of banks under $1B in assets in the Kansas City, MO-KS area (rank 36 of 40).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.91%

Rank 9 of 40

Net Interest Margin

5.93%

Rank 2 of 40

Efficiency Ratio

60.65%

Rank 24 of 40

Equity / Assets

7.86%

Rank 34 of 40

Non-interest income vs. expense

$0.6M$7.3MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 43% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 60.65%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.91%1.02%1.39%1.86%Beats 78%9 / 40
Return on Equity24.34%10.74%14.78%21.32%Beats 90%4 / 40
Net Interest Margin5.93%3.33%4.05%4.63%Beats 95%2 / 40
Efficiency Ratio60.65%51.70%58.10%69.29%Beats 43%24 / 40
Asset Quality
Nonperforming Loans / Loans0.20%0.05%0.20%1.11%Beats 51%20 / 39
Net Charge-Offs / Loans0.01%n/a0.00%0.05%Beats 44%23 / 39
Capital
Tier 1 Capital Ratio9.69%11.32%12.27%16.94%Beats 10%36 / 40
Total Risk-Based Capital Ratio10.90%11.32%13.09%17.63%Beats 23%31 / 40
Equity / Assets7.86%8.41%10.10%12.34%Beats 15%34 / 40
Liquidity & Funding
Loans / Deposits99.59%73.50%85.60%94.85%83rd pctl7 / 40
Loans / Assets90.61%62.75%69.87%79.23%98th pctl1 / 40
Brokered Deposits / Depositsn/aNot reported for this institution