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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