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Citizens National Bank, The

Greenleaf, KS · Cert 4678 · Padgett Agency Inc.

National charter · OCC · 7 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 KS3

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 KS (n=98). 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

46

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

14

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 National Bank, The

Greenleaf, KS · Cert 4678 · Padgett Agency Inc.

National charter · OCC · 7 branches

Q2 2026

$229.0MAssets
$110.3MLoans
$214.7MDeposits
$13.3MEquity
Loan mix
88%RE $77.5M6%C&I $5.7M5%Consumer $4.7MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $176.4M18%Noninterest $38.2MQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #93 of 114 inst. · $0.1B of $99.1B

18.6% Cloud
3.2% Leavenworth
11.3% Washington
13.9% Republic

Executive Summary

  • Earnings: ROA of 0.91%, up 19 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.66%, down 188 bps from a year ago.
  • Funding: loans stand at 51.40% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.91%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+37 bps YoY

Efficiency Ratio (YTD, annualized)

70.22%-475 bps YoY

Tier 1 Leverage Ratio

8.66%-188 bps YoY

NIM

3.56%Q2 ’243.79%Q2 ’254.10%Q2 ’26+14%+14%

Non-interest income vs. expense

2.48%Q2 ’242.49%Q2 ’252.66%Q2 ’26+4%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.50%0.73%0.72%0.73%0.71%0.76%0.91%+19 bps
Return on Equity8.11%8.18%11.55%11.35%10.87%10.34%10.06%13.08%+174 bps
Net Interest Margin2.32%2.37%2.57%2.60%2.65%2.70%2.94%2.96%+37 bps
Efficiency Ratio82.03%82.42%75.03%74.97%74.92%75.39%73.88%70.22%-475 bps
Non-Interest Burden1.76%1.81%1.76%1.76%1.80%1.85%1.99%1.83%+7 bps
Growth
Asset Growth (YoY)6.01%1.90%0.38%3.99%3.60%5.43%5.63%2.84%-116 bps
Loan Growth (YoY)6.85%16.52%21.17%17.81%19.22%21.97%21.83%16.69%-112 bps
Deposit Growth (YoY)0.76%0.33%-0.90%3.11%2.13%1.63%4.71%3.40%+29 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.04%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.02%-0.02%-0.01%0.03%0.02%0.00%0.01%+2 bps
Allowance / Loans1.95%1.86%1.87%1.77%1.65%1.55%1.58%1.57%-20 bps
Allowance Coverage of NPLsn/an/a47.6xn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.68%10.65%10.51%10.54%10.71%10.65%10.48%8.66%-188 bps
Total Risk-Based Capital23.26%21.93%20.62%21.98%21.36%20.04%20.18%17.13%-486 bps
Equity / Assets7.19%6.02%6.60%6.50%7.60%7.81%7.36%5.80%-71 bps
Liquidity & Funding
Loans / Deposits43.62%45.33%43.48%45.55%50.92%54.40%50.59%51.40%+585 bps
Liquid Assets / Assets0.06%0.15%0.18%0.18%0.07%0.06%0.50%0.05%-14 bps
CRE / Total Capitaln/an/an/an/a45.66%68.42%68.81%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 National Bank, The

Greenleaf, KS · Cert 4678 · Peer group: banks under $1B in assets in KS (n=98) · Padgett Agency Inc.

National charter · OCC · 7 branches

Q2 2026

$229.0MAssets
$110.3MLoans
$214.7MDeposits
$13.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets in KS (rank 96 of 98).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.91%

Rank 82 of 98

Net Interest Margin

2.96%

Rank 90 of 98

Efficiency Ratio

70.22%

Rank 85 of 98

Equity / Assets

5.80%

Rank 96 of 98

Non-interest income vs. expense

$2.0M$6.4MINCOMEEXPENSE
Unfavorable gap of $4.4M · efficiency ratio beats 14% of banks under $1B in assets in KS
Bank 70.22%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.91%1.03%1.24%1.54%Beats 16%82 / 98
Return on Equity15.73%8.85%11.58%14.73%Beats 80%20 / 98
Net Interest Margin2.96%3.24%3.62%3.91%Beats 8%90 / 98
Efficiency Ratio70.22%51.87%58.88%64.74%Beats 14%85 / 98
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.33%1.05%Beats 100%17 / 98
Net Charge-Offs / Loans0.01%n/a0.00%0.03%Beats 42%58 / 98
Capital
Tier 1 Capital Ratio15.88%11.81%13.71%17.33%Beats 67%32 / 98
Total Risk-Based Capital Ratio17.13%11.81%14.13%17.45%Beats 69%30 / 98
Equity / Assets5.80%8.60%11.34%13.10%Beats 2%96 / 98
Liquidity & Funding
Loans / Deposits51.40%57.09%69.84%82.47%17th pctl81 / 98
Loans / Assets48.19%49.34%58.31%68.94%22nd pctl76 / 98
Brokered Deposits / Depositsn/aNot reported for this institution