PackageTrendsPeer
Letter portraitLegal landscape

Citizens Community Bank

Winchester, TN · Cert 33739 · Citizens Cmty Bancshares Inc.

State charter, non-member · FDIC · 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 operating in a single state3

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 operating in a single state (n=751 to 755). 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

97

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 Community Bank

Winchester, TN · Cert 33739 · Citizens Cmty Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$352.6MAssets
$226.1MLoans
$303.2MDeposits
$45.2MEquity
Loan mix
78%RE $165.1M19%C&I $39.7M3%Consumer $6.7MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $252.6M17%Noninterest $50.5MQ2 2025Q2 2026

NIM

5.87%Q2 ’245.87%Q2 ’255.78%Q2 ’26+5%+5%

Non-interest income vs. expense

1.86%Q2 ’241.88%Q2 ’251.72%Q2 ’26-3%-9%

Executive Summary

  • Earnings: ROA of 1.79%, up 9 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.38% of loans (+19 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 14.58%, up 92 bps from a year ago.
  • Funding: loans stand at 74.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.79%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+19 bps YoY

Efficiency Ratio (YTD, annualized)

39.82%-556 bps YoY

Tier 1 Leverage Ratio

14.58%+92 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.73%1.80%1.73%1.79%+9 bps
Return on Equity15.30%15.15%15.70%14.30%14.55%-75 bps
Net Interest Margin3.80%3.81%3.83%3.91%3.99%+19 bps
Efficiency Ratio45.38%45.12%44.32%38.27%39.82%-556 bps
Non-Interest Burden1.53%1.54%1.51%1.30%1.39%-14 bps
Growth
Asset Growth (YoY)5.42%3.20%5.01%2.68%0.00%-542 bps
Loan Growth (YoY)1.39%2.73%6.65%3.74%6.87%+548 bps
Deposit Growth (YoY)7.47%5.12%3.87%1.40%-1.58%-905 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.14%0.05%0.46%0.38%+19 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.09%0.08%+9 bps
Allowance / Loans1.55%1.52%1.44%1.48%1.41%-15 bps
Allowance Coverage of NPLs8.2x10.7x27.6x3.2x3.7x-4.4x
Capital
Tier 1 Leverage Ratio13.67%13.93%13.76%14.21%14.58%+92 bps
Total Risk-Based Capital13.67%13.93%13.76%14.21%14.58%+92 bps
Equity / Assets11.36%12.12%11.77%12.42%12.81%+144 bps
Liquidity & Funding
Loans / Deposits68.68%70.45%71.57%71.01%74.58%+590 bps
Liquid Assets / Assets15.84%12.72%12.44%13.23%9.98%-586 bps
CRE / Total Capitaln/a166.84%177.26%154.78%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 Community Bank

Winchester, TN · Cert 33739 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Citizens Cmty Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$352.6MAssets
$226.1MLoans
$303.2MDeposits
$45.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets operating in a single state (rank 26 of 755).
  • Widest gap: net charge-offs / loans trails 73% of banks under $1B in assets operating in a single state (rank 548 of 751).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.82%

Rank 86 of 755

Net Interest Margin

3.99%

Rank 253 of 755

Efficiency Ratio

39.82%

Rank 26 of 755

Equity / Assets

12.81%

Rank 211 of 755

Non-interest income vs. expense

$1.2M$6.1MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 97% of banks under $1B in assets operating in a single state
Bank 39.82%Peer median 64.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.82%0.72%1.06%1.45%Beats 89%86 / 755
Return on Equity14.21%6.66%10.44%13.61%Beats 78%163 / 755
Net Interest Margin3.99%3.15%3.68%4.17%Beats 66%253 / 755
Efficiency Ratio39.82%55.75%64.78%75.61%Beats 97%26 / 755
Asset Quality
Nonperforming Loans / Loans0.38%0.09%0.42%1.05%Beats 53%355 / 751
Net Charge-Offs / Loans0.05%0.00%0.01%0.05%Beats 27%548 / 751
Capital
Tier 1 Capital Ratio14.58%11.56%13.81%17.74%Beats 57%327 / 755
Total Risk-Based Capital Ratio14.58%11.72%14.46%18.53%Beats 51%372 / 755
Equity / Assets12.81%8.93%10.56%13.13%Beats 72%211 / 755
Liquidity & Funding
Loans / Deposits74.58%62.43%78.62%91.00%43rd pctl434 / 755
Loans / Assets64.12%54.70%67.27%76.55%42nd pctl435 / 755
Brokered Deposits / Depositsn/aNot reported for this institution