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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 $4.7MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $176.4M18%Noninterest $38.2MQ2 2025Q2 2026

NIM

3.63%Q2 ’243.83%Q2 ’254.17%Q2 ’26+13%+15%

Non-interest income vs. expense

2.50%Q2 ’242.54%Q2 ’252.67%Q2 ’26+6%-4%

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 1.06%, up 34 bps year over year; NIM at 3.03%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.06%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.03%+41 bps YoY

Efficiency Ratio (quarter, annualized)

66.95%-798 bps YoY

Tier 1 Leverage Ratio

8.66%-188 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.73%0.68%0.76%1.06%+34 bps
Return on Equity10.93%10.33%8.84%10.06%16.05%+512 bps
Net Interest Margin2.62%2.78%2.90%2.94%3.03%+41 bps
Efficiency Ratio74.92%74.81%76.67%73.88%66.95%-798 bps
Non-Interest Burden1.77%1.89%2.04%1.99%1.71%-6 bps
Growth
Asset Growth (YoY)3.99%3.60%5.43%5.63%2.84%-116 bps
Loan Growth (YoY)17.81%19.22%21.97%21.83%16.69%-112 bps
Deposit Growth (YoY)3.11%2.13%1.63%4.71%3.40%+29 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.12%0.00%0.00%0.01%+2 bps
Allowance / Loans1.77%1.65%1.55%1.58%1.57%-20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.54%10.71%10.65%10.48%8.66%-188 bps
Total Risk-Based Capital21.98%21.36%20.04%20.18%17.13%-486 bps
Equity / Assets6.50%7.60%7.81%7.36%5.80%-71 bps
Liquidity & Funding
Loans / Deposits45.55%50.92%54.40%50.59%51.40%+585 bps
Liquid Assets / Assets0.18%0.07%0.06%0.50%0.05%-14 bps
CRE / Total Capitaln/a45.66%68.42%68.81%n/an/a