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Citizens' Bank, Inc.

Robertsdale, AL · Cert 23523 · Citizens Capital Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

45

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, Inc.

Robertsdale, AL · Cert 23523 · Citizens Capital Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$158.9MAssets
$85.5MLoans
$143.1MDeposits
$15.0MEquity
Loan mix
83%RE $66.5M10%C&I $8.0M7%Consumer $5.6MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $94.0M34%Noninterest $49.1MQ2 2025Q2 2026

NIM

4.64%Q2 ’244.70%Q2 ’254.75%Q2 ’26+13%+12%

Non-interest income vs. expense

2.63%Q2 ’242.50%Q2 ’252.47%Q2 ’26-2%-3%

Market Position · Daphne-Fairhope-Foley, AL · 2026 SOD (annual) · 2.1% share · #14 of 32 inst. · $0.1B of $6.7B

Executive Summary

  • Earnings: ROA of 0.97%, up 35 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.14% of loans (-16 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.00%, up 56 bps from a year ago.
  • Funding: loans stand at 59.78% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+38 bps YoY

Efficiency Ratio (YTD, annualized)

66.05%-943 bps YoY

Tier 1 Leverage Ratio

11.00%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.68%0.74%0.85%0.97%+35 bps
Return on Equity7.86%8.47%9.01%9.31%10.45%+260 bps
Net Interest Margin3.15%3.17%3.20%3.40%3.53%+38 bps
Efficiency Ratio75.48%74.14%72.61%67.17%66.05%-943 bps
Non-Interest Burden2.34%2.31%2.27%2.21%2.26%-8 bps
Growth
Asset Growth (YoY)2.14%6.70%3.00%1.75%1.66%-48 bps
Loan Growth (YoY)1.23%7.77%9.38%2.72%6.24%+501 bps
Deposit Growth (YoY)1.28%3.43%0.33%0.44%-0.20%-148 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.20%0.30%0.25%0.14%-16 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.00%0.04%+3 bps
Allowance / Loans1.14%1.09%1.05%1.15%1.11%-3 bps
Allowance Coverage of NPLs3.8x5.5x3.5x4.6x8.1x+4.2x
Capital
Tier 1 Leverage Ratio10.44%10.34%10.56%10.73%11.00%+56 bps
Total Risk-Based Capital10.44%10.34%10.56%10.73%11.00%+56 bps
Equity / Assets7.90%8.56%9.22%9.04%9.47%+157 bps
Liquidity & Funding
Loans / Deposits56.15%59.06%61.85%58.46%59.78%+362 bps
Liquid Assets / Assets15.63%14.13%14.49%16.38%14.94%-70 bps
CRE / Total Capitaln/a197.94%201%190.76%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, Inc.

Robertsdale, AL · Cert 23523 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Citizens Capital Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$158.9MAssets
$85.5MLoans
$143.1MDeposits
$15.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 71% of banks under $1B in assets operating in a single state (rank 215 of 743).
  • Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets operating in a single state (rank 614 of 746).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.96%

Rank 427 of 746

Net Interest Margin

3.53%

Rank 434 of 746

Efficiency Ratio

66.05%

Rank 408 of 746

Equity / Assets

9.47%

Rank 499 of 746

Non-interest income vs. expense

$0.3M$4.0MINCOMEEXPENSE
Unfavorable gap of $3.7M · efficiency ratio beats 45% of banks under $1B in assets operating in a single state
Bank 66.05%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.96%0.72%1.06%1.45%Beats 43%427 / 746
Return on Equity10.13%6.74%10.51%13.63%Beats 47%393 / 746
Net Interest Margin3.53%3.17%3.68%4.16%Beats 42%434 / 746
Efficiency Ratio66.05%55.74%64.58%75.47%Beats 45%408 / 746
Asset Quality
Nonperforming Loans / Loans0.14%0.09%0.42%1.07%Beats 71%215 / 743
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 39%456 / 743
Capital
Tier 1 Capital Ratio11.00%11.55%13.75%17.60%Beats 19%603 / 746
Total Risk-Based Capital Ratio11.00%11.71%14.33%18.43%Beats 18%614 / 746
Equity / Assets9.47%8.90%10.51%13.06%Beats 33%499 / 746
Liquidity & Funding
Loans / Deposits59.78%61.31%78.27%90.78%22nd pctl583 / 746
Loans / Assets53.84%53.60%66.97%76.08%25th pctl557 / 746
Brokered Deposits / Depositsn/aNot reported for this institution