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Citizens Community Bank

Mascoutah, IL · Cert 33753 · Citizens Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

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 in the St. Louis, MO-IL area (n=38 to 40). 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

18

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

35

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

Mascoutah, IL · Cert 33753 · Citizens Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$531.0MAssets
$281.0MLoans
$446.1MDeposits
$47.1MEquity
Loan mix
94%RE $247.9M5%C&I $13.9M1%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $389.0M13%Noninterest $57.0MQ2 2025Q2 2026

NIM

4.41%Q2 ’244.50%Q2 ’254.46%Q2 ’26+19%-1%

Non-interest income vs. expense

1.56%Q2 ’241.64%Q2 ’251.72%Q2 ’26+7%+14%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.3% share · #46 of 111 inst. · $0.4B of $141.7B

Executive Summary

  • Earnings: ROA of -0.30%, down 101 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 5.81% of loans (+194 bps YoY), with net charge-offs at 0.87%.
  • Capital: tier 1 leverage ratio of 9.83%, down 72 bps from a year ago.
  • Funding: loans stand at 63.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.30%-101 bps YoY

Net Interest Margin (YTD, annualized)

2.35%-3 bps YoY

Efficiency Ratio (YTD, annualized)

69.95%+734 bps YoY

Tier 1 Leverage Ratio

9.83%-72 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.78%0.69%0.62%-0.30%-101 bps
Return on Equity7.79%8.50%7.47%6.72%-3.33%-1,113 bps
Net Interest Margin2.38%2.43%2.42%2.40%2.35%-3 bps
Efficiency Ratio62.61%60.30%60.65%62.53%69.95%+734 bps
Non-Interest Burden1.40%1.37%1.38%1.42%1.60%+20 bps
Growth
Asset Growth (YoY)-1.13%2.67%4.76%6.27%6.85%+798 bps
Loan Growth (YoY)-3.71%4.07%4.95%-0.02%1.44%+515 bps
Deposit Growth (YoY)11.00%10.28%13.76%5.58%6.79%-421 bps
Asset Quality
Nonperforming Loans / Loans3.86%3.72%5.56%7.31%5.81%+194 bps
Net Charge-Offs / Loans0.05%0.06%0.07%1.81%0.87%+82 bps
Allowance / Loans1.85%1.83%2.05%1.79%2.84%+99 bps
Allowance Coverage of NPLs0.5x0.5x0.4x0.2x0.5x0.0x
Capital
Tier 1 Leverage Ratio10.55%10.62%10.47%10.35%9.83%-72 bps
Total Risk-Based Capital10.55%10.62%10.47%10.35%9.83%-72 bps
Equity / Assets9.40%9.41%9.24%9.10%8.86%-53 bps
Liquidity & Funding
Loans / Deposits66.33%67.04%65.08%61.28%63.00%-333 bps
Liquid Assets / Assets22.34%22.62%25.31%23.97%22.19%-15 bps
CRE / Total Capitaln/a312%320%300%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

Mascoutah, IL · Cert 33753 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Citizens Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$531.0MAssets
$281.0MLoans
$446.1MDeposits
$47.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 35% of banks under $1B in assets in the St. Louis, MO-IL area (rank 27 of 40).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets in the St. Louis, MO-IL area (rank 37 of 38).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

-0.30%

Rank 38 of 40

Net Interest Margin

2.35%

Rank 38 of 40

Efficiency Ratio

69.95%

Rank 27 of 40

Equity / Assets

8.86%

Rank 28 of 40

Non-interest income vs. expense

$0.6M$9.3MINCOMEEXPENSE
Unfavorable gap of $8.7M · efficiency ratio beats 35% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 69.95%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.30%0.64%1.04%1.26%Beats 5%38 / 40
Return on Equity-3.43%6.25%9.97%13.41%Beats 5%38 / 40
Net Interest Margin2.35%3.09%3.22%3.62%Beats 5%38 / 40
Efficiency Ratio69.95%57.08%64.37%75.86%Beats 35%27 / 40
Asset Quality
Nonperforming Loans / Loans5.81%0.14%0.62%1.92%Beats 8%36 / 38
Net Charge-Offs / Loans0.45%0.00%0.01%0.09%Beats 5%37 / 38
Capital
Tier 1 Capital Ratio9.83%10.29%12.88%15.77%Beats 13%35 / 40
Total Risk-Based Capital Ratio9.83%10.64%13.30%17.01%Beats 10%36 / 40
Equity / Assets8.86%8.59%9.46%12.46%Beats 30%28 / 40
Liquidity & Funding
Loans / Deposits63.00%66.12%79.48%94.60%23rd pctl31 / 40
Loans / Assets52.92%54.69%68.52%77.46%20th pctl32 / 40
Brokered Deposits / Depositsn/aNot reported for this institution