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Citizens Federal Savings & Loan Association

Bellefontaine, OH · Cert 28060

State savings bank · OCC · 1 branch

Q2 2026

$186.1MAssets
$147.2MLoans
$161.3MDeposits
$19.3MEquity
Loan mix
100%RE $145.9M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $157.4M2%Noninterest $3.9MQ2 2025Q2 2026

NIM

3.85%Q2 ’244.04%Q2 ’254.38%Q2 ’26+28%+17%

Non-interest income vs. expense

1.99%Q2 ’242.01%Q2 ’252.19%Q2 ’26-6%+9%

Executive Summary

  • Earnings: ROA of 0.55%, up 17 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.03% of loans (-10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.90%, up 32 bps from a year ago.
  • Funding: loans stand at 91.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.55%+17 bps YoY

Net Interest Margin (quarter, annualized)

2.54%+36 bps YoY

Efficiency Ratio (quarter, annualized)

77.56%-501 bps YoY

Tier 1 Leverage Ratio

10.90%+32 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.43%0.52%0.35%0.55%+17 bps
Return on Equity3.91%4.26%5.00%3.43%5.39%+148 bps
Net Interest Margin2.18%2.27%2.31%2.47%2.54%+36 bps
Efficiency Ratio82.57%82.08%77.75%85.42%77.56%-501 bps
Non-Interest Burden1.76%1.81%1.73%2.09%1.91%+15 bps
Growth
Asset Growth (YoY)1.45%-2.41%-0.29%1.57%2.01%+56 bps
Loan Growth (YoY)2.18%0.78%1.80%2.62%3.47%+129 bps
Deposit Growth (YoY)0.74%-2.80%-1.30%-0.21%-0.47%-121 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.05%0.07%0.08%0.03%-10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.21%0.21%0.21%0.21%0.20%-1 bps
Allowance Coverage of NPLs1.6x4.1x2.8x2.6x6.1x+4.5x
Capital
Tier 1 Leverage Ratio10.58%10.71%10.85%10.80%10.90%+32 bps
Total Risk-Based Capital20.44%20.78%20.52%20.38%20.45%+1 bps
Equity / Assets9.89%10.31%10.31%10.16%10.39%+50 bps
Liquidity & Funding
Loans / Deposits87.80%88.40%87.71%88.27%91.27%+347 bps
Liquid Assets / Assets2.92%2.82%2.99%3.64%2.86%-6 bps
CRE / Total Capitaln/a115.33%128.27%132.12%n/an/a