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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