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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 $4.6MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $245.2M12%Noninterest $33.4MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.38%0.04%0.26%0.84%0.92%+130 bps
Return on Equity-7.17%0.68%4.61%13.24%14.46%+2,163 bps
Net Interest Margin2.40%2.43%2.52%2.93%3.05%+65 bps
Efficiency Ratio81.68%76.45%73.73%64.83%63.54%-1,814 bps
Non-Interest Burden1.86%1.73%1.71%1.71%1.73%-13 bps
Growth
Asset Growth (YoY)10.25%11.17%11.83%9.56%6.47%-379 bps
Loan Growth (YoY)7.01%11.42%15.82%15.69%13.98%+698 bps
Deposit Growth (YoY)11.51%13.59%9.02%9.65%5.57%-594 bps
Asset Quality
Nonperforming Loans / Loans1.40%1.41%2.01%2.11%1.71%+31 bps
Net Charge-Offs / Loans1.22%0.79%0.60%0.34%0.17%-106 bps
Allowance / Loans1.27%1.28%1.19%1.16%1.17%-10 bps
Allowance Coverage of NPLs0.9x0.9x0.6x0.5x0.7x-0.2x
Capital
Tier 1 Leverage Ratio8.04%8.02%8.22%8.32%8.24%+19 bps
Total Risk-Based Capital11.18%11.19%11.09%10.93%11.09%-9 bps
Equity / Assets5.56%5.97%6.31%6.34%6.54%+98 bps
Liquidity & Funding
Loans / Deposits95.22%92.62%98.65%95.86%102.81%+759 bps
Liquid Assets / Assets0.83%0.78%0.77%0.87%0.81%-2 bps
CRE / Total Capitaln/a367%374%368%n/an/a