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Citizens First Bank

Clinton, IA · Cert 35477 · CFB Holding Co.

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 in IA3

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 IA (n=134 to 135). 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

8

Q2 2024Q2 2026peer median (50)

Asset Quality

16

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

24

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 First Bank

Clinton, IA · Cert 35477 · CFB Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$361.3MAssets
$286.5MLoans
$278.7MDeposits
$23.6MEquity
Loan mix
77%RE $194.2M21%C&I $53.5M2%Consumer $4.6MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $245.2M12%Noninterest $33.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.92%, up 130 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 1.71% of loans (+31 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 8.24%, up 19 bps from a year ago.
  • Funding: loans stand at 102.81% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.92%+130 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+65 bps YoY

Efficiency Ratio (YTD, annualized)

63.54%-1,814 bps YoY

Tier 1 Leverage Ratio

8.24%+19 bps YoY

NIM

4.91%Q2 ’244.91%Q2 ’255.36%Q2 ’26-1%+27%

Non-interest income vs. expense

2.32%Q2 ’242.42%Q2 ’252.29%Q2 ’26+6%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.59%-1.45%-0.38%0.04%0.26%0.84%0.92%+130 bps
Return on Equity10.65%11.23%-27.99%-7.17%0.68%4.61%13.24%14.46%+2,163 bps
Net Interest Margin2.52%2.51%2.19%2.40%2.43%2.52%2.93%3.05%+65 bps
Efficiency Ratio75.46%74.30%84.28%81.68%76.45%73.73%64.83%63.54%-1,814 bps
Non-Interest Burden1.75%1.71%1.76%1.86%1.73%1.71%1.71%1.73%-13 bps
Growth
Asset Growth (YoY)-0.16%2.21%3.10%10.25%11.17%11.83%9.56%6.47%-379 bps
Loan Growth (YoY)0.99%0.12%0.02%7.01%11.42%15.82%15.69%13.98%+698 bps
Deposit Growth (YoY)-3.58%-1.44%7.01%11.51%13.59%9.02%9.65%5.57%-594 bps
Asset Quality
Nonperforming Loans / Loans2.38%2.24%2.26%1.40%1.41%2.01%2.11%1.71%+31 bps
Net Charge-Offs / Loans0.00%0.00%0.03%1.22%0.79%0.60%0.34%0.17%-106 bps
Allowance / Loans1.32%1.32%1.94%1.27%1.28%1.19%1.16%1.17%-10 bps
Allowance Coverage of NPLs0.6x0.6x0.9x0.9x0.9x0.6x0.5x0.7x-0.2x
Capital
Tier 1 Leverage Ratio8.35%8.39%7.81%8.04%8.02%8.22%8.32%8.24%+19 bps
Total Risk-Based Capital11.72%11.82%11.27%11.18%11.19%11.09%10.93%11.09%-9 bps
Equity / Assets5.83%5.28%5.05%5.56%5.97%6.31%6.34%6.54%+98 bps
Liquidity & Funding
Loans / Deposits94.43%92.86%90.86%95.22%92.62%98.65%95.86%102.81%+759 bps
Liquid Assets / Assets1.03%2.12%0.91%0.83%0.78%0.77%0.87%0.81%-2 bps
CRE / Total Capitaln/an/an/an/a367%374%368%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 First Bank

Clinton, IA · Cert 35477 · Peer group: banks under $1B in assets in IA (n=134-135) · CFB Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$361.3MAssets
$286.5MLoans
$278.7MDeposits
$23.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 80% of banks under $1B in assets in IA (rank 27 of 135).
  • Widest gap: equity / assets trails 99% of banks under $1B in assets in IA (rank 134 of 135).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.92%

Rank 103 of 135

Net Interest Margin

3.05%

Rank 93 of 135

Efficiency Ratio

63.54%

Rank 104 of 135

Equity / Assets

6.54%

Rank 134 of 135

Non-interest income vs. expense

$2.1M$8.5MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 24% of banks under $1B in assets in IA
Bank 63.54%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.92%0.92%1.19%1.47%Beats 24%103 / 135
Return on Equity14.10%7.99%10.26%13.14%Beats 80%27 / 135
Net Interest Margin3.05%2.95%3.41%3.73%Beats 31%93 / 135
Efficiency Ratio63.54%50.61%57.35%63.29%Beats 24%104 / 135
Asset Quality
Nonperforming Loans / Loans1.71%0.03%0.51%1.26%Beats 16%113 / 134
Net Charge-Offs / Loans0.09%n/a0.01%0.03%Beats 16%114 / 134
Capital
Tier 1 Capital Ratio9.97%11.23%13.31%15.45%Beats 5%128 / 135
Total Risk-Based Capital Ratio11.09%11.61%14.06%16.47%Beats 17%112 / 135
Equity / Assets6.54%9.87%11.05%13.07%Beats 1%134 / 135
Liquidity & Funding
Loans / Deposits102.81%68.54%81.55%91.24%91st pctl12 / 134
Loans / Assets79.30%57.61%68.06%76.23%84th pctl21 / 135
Brokered Deposits / Depositsn/aNot reported for this institution