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Letter portraitLegal landscapeQuarterYTD

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