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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 $6.7MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $252.6M17%Noninterest $50.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.86%, up 31 bps year over year; NIM at 4.06%.
  • 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.

Return on Assets (quarter, annualized)

1.86%+31 bps YoY

Net Interest Margin (quarter, annualized)

4.06%+13 bps YoY

Efficiency Ratio (quarter, annualized)

41.33%-313 bps YoY

Tier 1 Leverage Ratio

14.58%+92 bps YoY

NIM

6.02%Q2 ’245.97%Q2 ’255.81%Q2 ’26+8%+3%

Non-interest income vs. expense

1.91%Q2 ’241.88%Q2 ’251.82%Q2 ’26-3%-6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.85%1.86%1.55%1.77%2.03%1.73%1.86%+31 bps
Return on Equity11.14%16.67%16.87%13.70%15.04%16.97%14.30%14.78%+108 bps
Net Interest Margin3.51%3.83%3.75%3.93%3.91%3.96%3.91%4.06%+13 bps
Efficiency Ratio51.67%42.81%46.35%44.46%44.61%42.02%38.27%41.33%-313 bps
Non-Interest Burden1.66%1.47%1.52%1.58%1.57%1.47%1.30%1.48%-10 bps
Growth
Asset Growth (YoY)14.17%10.24%4.46%5.42%3.20%5.01%2.68%0.00%-542 bps
Loan Growth (YoY)5.84%2.90%-1.03%1.39%2.73%6.65%3.74%6.87%+548 bps
Deposit Growth (YoY)10.34%10.31%6.10%7.47%5.12%3.87%1.40%-1.58%-905 bps
Asset Quality
Nonperforming Loans / Loans0.69%0.17%0.26%0.19%0.14%0.05%0.46%0.38%+19 bps
Net Charge-Offs / Loans1.72%-0.02%0.00%-0.01%-0.01%0.02%0.09%0.08%+9 bps
Allowance / Loans1.55%1.54%1.56%1.55%1.52%1.44%1.48%1.41%-15 bps
Allowance Coverage of NPLs2.3x9.0x5.9x8.2x10.7x27.6x3.2x3.7x-4.4x
Capital
Tier 1 Leverage Ratio13.61%13.17%13.72%13.67%13.93%13.76%14.21%14.58%+92 bps
Total Risk-Based Capital13.61%13.17%13.72%13.67%13.93%13.76%14.21%14.58%+92 bps
Equity / Assets11.43%10.72%11.33%11.36%12.12%11.77%12.42%12.81%+144 bps
Liquidity & Funding
Loans / Deposits72.10%69.70%69.41%68.68%70.45%71.57%71.01%74.58%+590 bps
Liquid Assets / Assets11.50%13.30%14.75%15.84%12.72%12.44%13.23%9.98%-586 bps
CRE / Total Capitaln/an/an/an/a166.84%177.26%154.78%n/an/a