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Citizens Savings Bank

Bogalusa, LA · Cert 30270

SI · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

51

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 Savings Bank

Bogalusa, LA · Cert 30270

SI · FDIC · 5 branches

Q2 2026

$329.1MAssets
$255.0MLoans
$282.4MDeposits
$44.8MEquity
Loan mix
92%RE $235.1M2%C&I $6.3M5%Consumer $13.2MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $220.3M22%Noninterest $62.1MQ3 2024Q2 2026

Market Position · Slidell-Mandeville-Covington, LA · 2026 SOD (annual) · 0.4% share · #18 of 26 inst. · $0.0B of $7.9B

37.9% Washington
0.4% St. Tammany

Executive Summary

  • Earnings: ROA of 1.28%, up 31 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.74% of loans (-26 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 14.33%, up 46 bps from a year ago.
  • Funding: loans stand at 90.31% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.28%+31 bps YoY

Net Interest Margin (YTD, annualized)

4.49%+39 bps YoY

Efficiency Ratio (YTD, annualized)

67.31%-365 bps YoY

Tier 1 Leverage Ratio

14.33%+46 bps YoY

NIM

5.93%Q2 ’246.07%Q2 ’256.35%Q2 ’26+3%+9%

Non-interest income vs. expense

3.27%Q2 ’243.12%Q2 ’253.35%Q2 ’26-4%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.68%0.99%0.97%0.98%0.77%1.37%1.28%+31 bps
Return on Equity5.31%5.41%7.82%7.62%7.60%5.96%10.18%9.50%+187 bps
Net Interest Margin3.89%3.83%4.16%4.10%4.15%4.20%4.59%4.49%+39 bps
Efficiency Ratio76.40%75.08%70.69%70.96%70.96%71.80%64.80%67.31%-365 bps
Non-Interest Burden2.90%2.82%2.84%2.83%2.85%2.93%2.77%2.87%+4 bps
Growth
Asset Growth (YoY)6.89%5.30%6.37%6.51%4.48%3.70%3.16%2.91%-360 bps
Loan Growth (YoY)9.93%7.61%5.02%3.15%2.81%4.47%4.93%4.33%+119 bps
Deposit Growth (YoY)6.83%8.60%6.59%6.91%4.74%2.75%2.14%1.91%-499 bps
Asset Quality
Nonperforming Loans / Loans1.01%0.78%0.95%1.00%0.91%1.00%0.75%0.74%-26 bps
Net Charge-Offs / Loans0.00%0.00%0.32%0.17%0.24%0.20%0.32%0.17%+1 bps
Allowance / Loans2.58%2.65%2.61%2.62%2.52%2.76%2.66%2.65%+3 bps
Allowance Coverage of NPLs2.6x3.4x2.7x2.6x2.8x2.8x3.5x3.6x+1.0x
Capital
Tier 1 Leverage Ratio13.92%13.74%13.92%13.87%14.07%14.05%14.38%14.33%+46 bps
Total Risk-Based Capital13.92%13.74%13.92%13.87%14.07%14.05%14.38%14.33%+46 bps
Equity / Assets12.87%12.64%12.70%12.88%13.31%13.48%13.43%13.62%+74 bps
Liquidity & Funding
Loans / Deposits91.79%91.32%88.55%88.21%90.10%92.85%90.97%90.31%+209 bps
Liquid Assets / Assets2.90%3.16%3.47%5.72%3.78%1.93%4.75%4.16%-156 bps
CRE / Total Capitaln/an/an/an/a140.49%138.88%136.99%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 Savings Bank

Bogalusa, LA · Cert 30270 · Peer group: banks under $1B in assets (n=581-629)

SI · FDIC · 5 branches

Q2 2026

$329.1MAssets
$255.0MLoans
$282.4MDeposits
$44.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 89% of banks under $1B in assets (rank 67 of 629).
  • Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets (rank 511 of 581).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.27%

Rank 217 of 629

Net Interest Margin

4.49%

Rank 67 of 629

Efficiency Ratio

67.31%

Rank 308 of 629

Equity / Assets

13.62%

Rank 165 of 629

Non-interest income vs. expense

$1.6M$11.2MINCOMEEXPENSE
Unfavorable gap of $9.5M · efficiency ratio beats 51% of banks under $1B in assets
Bank 67.31%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.27%0.60%1.01%1.45%Beats 66%217 / 629
Return on Equity9.30%5.38%9.30%13.28%Beats 50%316 / 629
Net Interest Margin4.49%3.03%3.54%4.05%Beats 89%67 / 629
Efficiency Ratio67.31%58.35%67.79%79.08%Beats 51%308 / 629
Asset Quality
Nonperforming Loans / Loans0.74%0.09%0.46%1.20%Beats 37%366 / 581
Net Charge-Offs / Loans0.13%n/a0.01%0.06%Beats 12%511 / 581
Capital
Tier 1 Capital Ratio14.33%11.24%13.84%18.77%Beats 54%289 / 629
Total Risk-Based Capital Ratio14.33%11.58%14.43%19.66%Beats 49%320 / 629
Equity / Assets13.62%9.09%10.65%13.80%Beats 74%165 / 629
Liquidity & Funding
Loans / Deposits90.31%67.24%80.90%93.48%70th pctl178 / 594
Loans / Assets77.48%53.31%67.71%78.15%73rd pctl169 / 629
Brokered Deposits / Depositsn/aNot reported for this institution