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Citizens Federal Savings Bank

Leavenworth, KS · Cert 30150

State savings bank · OCC · 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 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

85

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

5

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 Federal Savings Bank

Leavenworth, KS · Cert 30150

State savings bank · OCC · 3 branches

Q2 2026

$190.1MAssets
$134.8MLoans
$149.1MDeposits
$36.9MEquity
Loan mix
97%RE $131.7M1%C&I $2.0M1%Consumer $2.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $134.2M10%Noninterest $14.9MQ2 2025Q2 2026

NIM

3.53%Q2 ’243.82%Q2 ’253.93%Q2 ’26+10%+7%

Non-interest income vs. expense

2.50%Q2 ’242.78%Q2 ’252.77%Q2 ’26+12%-2%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #62 of 114 inst. · $0.1B of $99.1B

Executive Summary

  • Earnings: ROA of 0.19%, up 13 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.15% of loans (-11 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 20.08%, up 12 bps from a year ago.
  • Funding: loans stand at 90.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.19%+13 bps YoY

Net Interest Margin (YTD, annualized)

2.73%+19 bps YoY

Efficiency Ratio (YTD, annualized)

90.32%-760 bps YoY

Tier 1 Leverage Ratio

20.08%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.12%0.17%0.22%0.19%+13 bps
Return on Equity0.32%0.65%0.91%1.13%1.00%+68 bps
Net Interest Margin2.55%2.55%2.57%2.70%2.73%+19 bps
Efficiency Ratio97.92%95.48%93.39%90.83%90.32%-760 bps
Non-Interest Burden2.46%2.39%2.35%2.40%2.40%-5 bps
Growth
Asset Growth (YoY)-1.37%1.55%-0.17%-0.53%1.87%+324 bps
Loan Growth (YoY)2.21%1.56%0.13%0.62%0.48%-173 bps
Deposit Growth (YoY)-1.69%5.82%5.77%5.85%6.78%+847 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.26%0.23%0.22%0.15%-11 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.02%0.02%+2 bps
Allowance / Loans0.31%0.30%0.31%0.30%0.31%0 bps
Allowance Coverage of NPLs1.2x1.2x1.3x1.4x2.1x+0.9x
Capital
Tier 1 Leverage Ratio19.96%19.83%19.83%20.05%20.08%+12 bps
Total Risk-Based Capital19.96%19.83%19.83%20.05%20.08%+12 bps
Equity / Assets19.08%18.97%19.64%19.60%19.40%+32 bps
Liquidity & Funding
Loans / Deposits96.09%91.86%92.42%92.07%90.42%-567 bps
Liquid Assets / Assets1.57%4.54%3.24%3.04%4.71%+313 bps
CRE / Total Capitaln/a24.39%23.62%27.78%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 Federal Savings Bank

Leavenworth, KS · Cert 30150 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40)

State savings bank · OCC · 3 branches

Q2 2026

$190.1MAssets
$134.8MLoans
$149.1MDeposits
$36.9MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 90% of banks under $1B in assets in the Kansas City, MO-KS area (rank 4 of 40).
  • Widest gap: return on equity trails 97% of banks under $1B in assets in the Kansas City, MO-KS area (rank 39 of 40).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.19%

Rank 38 of 40

Net Interest Margin

2.73%

Rank 37 of 40

Efficiency Ratio

90.32%

Rank 39 of 40

Equity / Assets

19.40%

Rank 4 of 40

Non-interest income vs. expense

$0.7M$5.4MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 5% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 90.32%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.19%1.02%1.39%1.86%Beats 5%38 / 40
Return on Equity1.00%10.74%14.78%21.32%Beats 3%39 / 40
Net Interest Margin2.73%3.33%4.05%4.63%Beats 8%37 / 40
Efficiency Ratio90.32%51.70%58.10%69.29%Beats 5%39 / 40
Asset Quality
Nonperforming Loans / Loans0.15%0.05%0.20%1.11%Beats 62%16 / 39
Net Charge-Offs / Loans0.01%n/a0.00%0.05%Beats 41%24 / 39
Capital
Tier 1 Capital Ratio20.08%11.32%12.27%16.94%Beats 83%7 / 40
Total Risk-Based Capital Ratio20.08%11.32%13.09%17.63%Beats 83%7 / 40
Equity / Assets19.40%8.41%10.10%12.34%Beats 90%4 / 40
Liquidity & Funding
Loans / Deposits90.42%73.50%85.60%94.85%63rd pctl15 / 40
Loans / Assets70.93%62.75%69.87%79.23%53rd pctl19 / 40
Brokered Deposits / Depositsn/aNot reported for this institution