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Letter portraitLegal landscapeQuarterYTD

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 $0.0MQ3 2024Q2 2026
Deposit mix
98%Interest-bearing $157.4M2%Noninterest $3.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.45%, up 12 bps year over year; NIM at 2.50%.
  • 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.

Return on Assets (YTD, annualized)

0.45%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.50%+36 bps YoY

Efficiency Ratio (YTD, annualized)

81.33%-343 bps YoY

Tier 1 Leverage Ratio

10.90%+32 bps YoY

NIM

3.73%Q2 ’244.03%Q2 ’254.33%Q2 ’26+28%+17%

Non-interest income vs. expense

2.00%Q2 ’242.01%Q2 ’252.21%Q2 ’26-5%+12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.09%-0.03%0.28%0.33%0.36%0.40%0.35%0.45%+12 bps
Return on Equity-0.96%-0.29%2.92%3.42%3.70%4.03%3.43%4.41%+99 bps
Net Interest Margin1.68%1.75%2.10%2.15%2.19%2.22%2.47%2.50%+36 bps
Efficiency Ratio110.27%105.96%87.06%84.76%83.81%82.22%85.42%81.33%-343 bps
Non-Interest Burden1.87%1.86%1.81%1.79%1.80%1.78%2.09%2.00%+21 bps
Growth
Asset Growth (YoY)5.06%5.00%2.00%1.45%-2.41%-0.29%1.57%2.01%+56 bps
Loan Growth (YoY)2.44%3.68%3.32%2.18%0.78%1.80%2.62%3.47%+129 bps
Deposit Growth (YoY)4.49%5.82%2.21%0.74%-2.80%-1.30%-0.21%-0.47%-121 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.05%0.05%0.13%0.05%0.07%0.08%0.03%-10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.21%0.21%0.21%0.21%0.21%0.21%0.21%0.20%-1 bps
Allowance Coverage of NPLs3.4x4.3x4.3x1.6x4.1x2.8x2.6x6.1x+4.5x
Capital
Tier 1 Leverage Ratio10.58%10.55%10.43%10.58%10.71%10.85%10.80%10.90%+32 bps
Total Risk-Based Capital20.52%20.43%20.49%20.44%20.78%20.52%20.38%20.45%+1 bps
Equity / Assets9.84%9.49%9.67%9.89%10.31%10.31%10.16%10.39%+50 bps
Liquidity & Funding
Loans / Deposits85.26%85.04%85.83%87.80%88.40%87.71%88.27%91.27%+347 bps
Liquid Assets / Assets3.56%3.94%3.42%2.92%2.82%2.99%3.64%2.86%-6 bps
CRE / Total Capitaln/an/an/an/a115.33%128.27%132.12%n/an/a