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Citizens Savings Bank

Clarks Summit, PA · Cert 31184

State savings bank · OCC · 6 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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

21

Q2 2024Q2 2026peer median

Efficiency

14

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

Clarks Summit, PA · Cert 31184

State savings bank · OCC · 6 branches

Q2 2026

$359.0MAssets
$299.2MLoans
$304.0MDeposits
$53.8MEquity
Loan mix
100%RE $291.4M0%C&I $0.0M0%Consumer $0.2MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $275.4M9%Noninterest $28.6MQ3 2024Q2 2026

Market Position · Scranton--Wilkes-Barre, PA · 2026 SOD (annual) · 1.5% share · #14 of 21 inst. · $0.2B of $16.9B

3.1% Lackawanna
0.9% Monroe
1.2% Wayne

Executive Summary

  • Earnings: ROA of 0.24%, down 6 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.27% of loans (-18 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.12%, down 3 bps from a year ago.
  • Funding: loans stand at 98.43% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.24%-6 bps YoY

Net Interest Margin (YTD, annualized)

2.43%+4 bps YoY

Efficiency Ratio (YTD, annualized)

88.44%+206 bps YoY

Tier 1 Leverage Ratio

15.12%-3 bps YoY

NIM

3.61%Q2 ’243.78%Q2 ’253.82%Q2 ’26+15%+2%

Non-interest income vs. expense

2.35%Q2 ’242.33%Q2 ’252.44%Q2 ’26-3%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.05%-0.62%0.09%0.30%0.24%0.25%0.16%0.24%-6 bps
Return on Equity-7.46%-4.37%0.63%2.09%1.66%1.69%1.09%1.63%-46 bps
Net Interest Margin2.07%2.03%2.32%2.39%2.38%2.40%2.43%2.43%+4 bps
Efficiency Ratio99.62%101.43%95.70%86.38%89.31%88.93%91.17%88.44%+206 bps
Non-Interest Burden2.06%2.07%2.21%2.03%2.10%2.10%2.19%2.12%+9 bps
Growth
Asset Growth (YoY)-3.66%-3.15%1.13%-0.10%-2.57%-1.80%0.83%1.48%+158 bps
Loan Growth (YoY)1.46%0.51%-0.14%-1.59%-1.99%-1.70%-1.20%1.82%+341 bps
Deposit Growth (YoY)-1.00%3.57%0.72%-0.87%-3.63%-2.73%0.48%1.41%+228 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.17%0.22%0.45%0.28%0.23%0.26%0.27%-18 bps
Net Charge-Offs / Loans-0.02%-0.01%0.00%0.00%0.00%0.00%0.01%0.00%0 bps
Allowance / Loans0.37%0.36%0.35%0.34%0.34%0.34%0.35%0.34%0 bps
Allowance Coverage of NPLs1.3x2.1x1.6x0.8x1.2x1.5x1.4x1.3x+0.5x
Capital
Tier 1 Leverage Ratio14.63%14.67%14.88%15.15%15.11%15.29%15.09%15.12%-3 bps
Total Risk-Based Capital29.98%30.08%30.38%30.65%30.92%30.98%30.70%30.21%-44 bps
Equity / Assets14.26%14.22%14.58%14.85%15.16%15.00%14.90%14.98%+13 bps
Liquidity & Funding
Loans / Deposits97.53%96.00%97.50%98.03%99.19%97.02%95.87%98.43%+40 bps
Liquid Assets / Assets1.56%2.94%1.67%2.08%1.28%2.19%3.43%1.44%-64 bps
CRE / Total Capitaln/an/an/an/a0.83%0.53%0.53%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

Clarks Summit, PA · Cert 31184 · Peer group: banks under $1B in assets (n=581-629)

State savings bank · OCC · 6 branches

Q2 2026

$359.0MAssets
$299.2MLoans
$304.0MDeposits
$53.8MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 87% of banks under $1B in assets (rank 80 of 629).
  • Widest gap: net interest margin trails 92% of banks under $1B in assets (rank 576 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.24%

Rank 557 of 629

Net Interest Margin

2.43%

Rank 576 of 629

Efficiency Ratio

88.44%

Rank 541 of 629

Equity / Assets

14.98%

Rank 143 of 629

Non-interest income vs. expense

$1.1M$8.8MINCOMEEXPENSE
Unfavorable gap of $7.6M · efficiency ratio beats 14% of banks under $1B in assets
Bank 88.44%Peer median 67.8%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.24%0.60%1.01%1.45%Beats 11%557 / 629
Return on Equity1.63%5.38%9.30%13.28%Beats 11%560 / 629
Net Interest Margin2.43%3.03%3.54%4.05%Beats 8%576 / 629
Efficiency Ratio88.44%58.35%67.79%79.08%Beats 14%541 / 629
Asset Quality
Nonperforming Loans / Loans0.27%0.09%0.46%1.20%Beats 59%240 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 65%207 / 581
Capital
Tier 1 Capital Ratio29.63%11.24%13.84%18.77%Beats 87%80 / 629
Total Risk-Based Capital Ratio30.21%11.58%14.43%19.66%Beats 87%82 / 629
Equity / Assets14.98%9.09%10.65%13.80%Beats 77%143 / 629
Liquidity & Funding
Loans / Deposits98.43%67.24%80.90%93.48%84th pctl98 / 594
Loans / Assets83.36%53.31%67.71%78.15%88th pctl73 / 629
Brokered Deposits / Depositsn/aNot reported for this institution