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Citizens Bank of Winfield, The

Winfield, AL · Cert 52 · Citizens Bcorp of Winfield Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=570 to 617). 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

53

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 Bank of Winfield, The

Winfield, AL · Cert 52 · Citizens Bcorp of Winfield Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$301.3MAssets
$113.4MLoans
$215.2MDeposits
$29.4MEquity
Loan mix
62%RE $65.9M18%C&I $18.8M20%Consumer $20.9MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $189.4M12%Noninterest $25.8MQ2 2025Q2 2026

NIM

4.17%Q2 ’244.27%Q2 ’254.52%Q2 ’26+85%+27%

Non-interest income vs. expense

1.40%Q2 ’241.68%Q2 ’251.67%Q2 ’26+10%+10%

Executive Summary

  • Earnings: ROA of 0.43%, up 2 bps year over year; NIM at 2.19%.
  • Asset quality: problem loans at 0.26% of loans (+19 bps YoY), with net charge-offs at 0.47%.
  • Capital: tier 1 leverage ratio of 17.51%, down 92 bps from a year ago.
  • Funding: loans stand at 52.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.43%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.19%+46 bps YoY

Efficiency Ratio (YTD, annualized)

66.84%-1,058 bps YoY

Tier 1 Leverage Ratio

17.51%-92 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.47%0.48%0.49%0.43%+2 bps
Return on Equity4.92%5.54%5.51%5.27%4.56%-36 bps
Net Interest Margin1.73%1.84%1.88%2.18%2.19%+46 bps
Efficiency Ratio77.42%74.92%70.53%67.49%66.84%-1,058 bps
Non-Interest Burden1.24%1.28%1.21%1.38%1.37%+12 bps
Growth
Asset Growth (YoY)-14.47%-10.59%8.73%8.16%10.98%+2,545 bps
Loan Growth (YoY)9.10%14.49%24.39%24.56%21.75%+1,265 bps
Deposit Growth (YoY)-12.06%-5.47%-3.63%0.64%7.34%+1,939 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.11%0.21%0.05%0.26%+19 bps
Net Charge-Offs / Loans0.29%0.37%0.49%0.40%0.47%+18 bps
Allowance / Loans1.06%0.91%0.91%0.94%1.05%-1 bps
Allowance Coverage of NPLs15.4x8.6x4.3x17.2x4.1x-11.3x
Capital
Tier 1 Leverage Ratio18.43%18.00%17.69%17.48%17.51%-92 bps
Total Risk-Based Capital18.43%18.00%17.69%17.48%17.51%-92 bps
Equity / Assets8.18%9.20%9.34%9.14%9.75%+157 bps
Liquidity & Funding
Loans / Deposits46.48%45.91%50.79%51.88%52.72%+624 bps
Liquid Assets / Assets3.68%3.68%3.42%3.16%3.87%+19 bps
CRE / Total Capitaln/a45.13%50.02%48.49%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 Bank of Winfield, The

Winfield, AL · Cert 52 · Peer group: banks under $1B in assets (n=570-617) · Citizens Bcorp of Winfield Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$301.3MAssets
$113.4MLoans
$215.2MDeposits
$29.4MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 72% of banks under $1B in assets (rank 173 of 617).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets (rank 541 of 570).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.42%

Rank 510 of 617

Net Interest Margin

2.19%

Rank 579 of 617

Efficiency Ratio

66.84%

Rank 292 of 617

Equity / Assets

9.75%

Rank 383 of 617

Non-interest income vs. expense

$1.0M$5.6MINCOMEEXPENSE
Unfavorable gap of $4.6M · efficiency ratio beats 53% of banks under $1B in assets
Bank 66.84%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.42%0.60%1.01%1.45%Beats 17%510 / 617
Return on Equity4.33%5.30%9.43%13.30%Beats 19%498 / 617
Net Interest Margin2.19%3.04%3.54%4.05%Beats 6%579 / 617
Efficiency Ratio66.84%58.03%67.76%79.08%Beats 53%292 / 617
Asset Quality
Nonperforming Loans / Loans0.26%0.09%0.47%1.27%Beats 61%221 / 570
Net Charge-Offs / Loans0.31%n/a0.01%0.06%Beats 5%541 / 570
Capital
Tier 1 Capital Ratio17.51%11.18%13.83%18.55%Beats 72%173 / 617
Total Risk-Based Capital Ratio17.51%11.56%14.39%19.39%Beats 69%192 / 617
Equity / Assets9.75%9.03%10.55%13.63%Beats 38%383 / 617
Liquidity & Funding
Loans / Deposits52.72%64.77%79.70%93.06%13th pctl505 / 582
Loans / Assets37.65%51.70%67.18%77.51%14th pctl531 / 617
Brokered Deposits / Depositsn/aNot reported for this institution