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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