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Letter portraitLegal landscapeQuarterYTD

Citizens National Bank of Crosbyton

Crosbyton, TX · Cert 3158 · Citizens Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$77.6MAssets
$28.2MLoans
$64.0MDeposits
$13.1MEquity
Loan mix
60%RE $10.1M24%C&I $4.0M17%Consumer $2.8MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $48.0M25%Noninterest $16.1MQ3 2024Q2 2026

Market Position · Lubbock, TX · 2026 SOD (annual) · 0.4% share · #24 of 31 inst. · $0.1B of $14.3B

Executive Summary

  • Earnings: ROA of 1.70%, unchanged from a year ago; NIM at 3.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.81%, up 3 bps from a year ago.
  • Funding: loans stand at 44.05% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.70%0 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+20 bps YoY

Efficiency Ratio (YTD, annualized)

38.08%-272 bps YoY

Tier 1 Leverage Ratio

16.81%+3 bps YoY

NIM

6.05%Q2 ’245.08%Q2 ’255.04%Q2 ’26-23%+6%

Non-interest income vs. expense

1.50%Q2 ’241.47%Q2 ’251.40%Q2 ’26-8%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.44%2.22%1.87%1.70%1.82%1.69%1.80%1.70%0 bps
Return on Equity14.63%13.17%10.67%9.83%10.57%9.86%10.73%10.10%+26 bps
Net Interest Margin4.37%3.97%3.35%3.24%3.33%3.27%3.33%3.45%+20 bps
Efficiency Ratio31.06%34.65%37.23%40.80%37.82%41.18%36.93%38.08%-272 bps
Non-Interest Burden1.15%1.19%0.98%1.11%1.06%1.17%1.06%1.17%+6 bps
Growth
Asset Growth (YoY)-1.65%-1.76%2.02%12.99%12.21%11.55%11.74%5.88%-711 bps
Loan Growth (YoY)16.31%11.87%31.25%14.54%25.84%53.98%22.76%37.95%+2,340 bps
Deposit Growth (YoY)-4.50%-4.70%0.36%13.91%13.25%12.63%12.93%5.94%-798 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.06%0.03%0.02%0.00%0.00%-6 bps
Allowance / Loans0.97%1.24%1.10%1.00%0.85%0.95%1.06%1.06%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio18.21%17.49%17.54%16.79%17.06%16.75%16.73%16.81%+3 bps
Total Risk-Based Capital18.21%17.49%17.54%16.79%17.06%16.75%16.73%16.81%+3 bps
Equity / Assets17.85%17.53%17.58%16.82%17.09%16.80%16.75%16.86%+4 bps
Liquidity & Funding
Loans / Deposits35.71%30.20%33.66%33.83%39.68%41.29%36.59%44.05%+1,022 bps
Liquid Assets / Assets63.62%64.36%62.22%63.28%57.20%56.64%60.13%53.87%-942 bps
CRE / Total Capitaln/an/an/an/a19.96%19.16%33.33%n/an/a