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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=581 to 629). 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

13

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 $20.9MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $189.4M12%Noninterest $25.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.22%-0.59%0.24%0.41%0.47%0.48%0.49%0.43%+2 bps
Return on Equity-2.76%-7.29%2.82%4.92%5.54%5.51%5.27%4.56%-36 bps
Net Interest Margin0.96%1.06%1.64%1.73%1.84%1.88%2.18%2.19%+46 bps
Efficiency Ratio116.14%106.63%84.86%77.42%74.92%70.53%67.49%66.84%-1,058 bps
Non-Interest Burden1.16%1.15%1.35%1.24%1.28%1.21%1.38%1.37%+12 bps
Growth
Asset Growth (YoY)0.18%-20.14%-14.43%-14.47%-10.59%8.73%8.16%10.98%+2,545 bps
Loan Growth (YoY)20.56%18.48%11.95%9.10%14.49%24.39%24.56%21.75%+1,265 bps
Deposit Growth (YoY)2.01%-5.09%-19.01%-12.06%-5.47%-3.63%0.64%7.34%+1,939 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.12%1.01%0.07%0.11%0.21%0.05%0.26%+19 bps
Net Charge-Offs / Loans0.47%0.54%0.29%0.29%0.37%0.49%0.40%0.47%+18 bps
Allowance / Loans1.21%1.11%1.07%1.06%0.91%0.91%0.94%1.05%-1 bps
Allowance Coverage of NPLs8.1x9.3x1.1x15.4x8.6x4.3x17.2x4.1x-11.3x
Capital
Tier 1 Leverage Ratio16.58%16.44%18.34%18.43%18.00%17.69%17.48%17.51%-92 bps
Total Risk-Based Capital16.58%16.44%18.34%18.43%18.00%17.69%17.48%17.51%-92 bps
Equity / Assets9.65%8.01%8.74%8.18%9.20%9.34%9.14%9.75%+157 bps
Liquidity & Funding
Loans / Deposits37.91%39.35%41.91%46.48%45.91%50.79%51.88%52.72%+624 bps
Liquid Assets / Assets2.86%4.84%4.09%3.68%3.68%3.42%3.16%3.87%+19 bps
CRE / Total Capitaln/an/an/an/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=581-629) · 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 179 of 629).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets (rank 551 of 581).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.42%

Rank 520 of 629

Net Interest Margin

2.19%

Rank 591 of 629

Efficiency Ratio

66.84%

Rank 298 of 629

Equity / Assets

9.75%

Rank 402 of 629

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 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.42%0.60%1.01%1.45%Beats 17%520 / 629
Return on Equity4.33%5.38%9.30%13.28%Beats 19%508 / 629
Net Interest Margin2.19%3.03%3.54%4.05%Beats 6%591 / 629
Efficiency Ratio66.84%58.35%67.79%79.08%Beats 53%298 / 629
Asset Quality
Nonperforming Loans / Loans0.26%0.09%0.46%1.20%Beats 60%233 / 581
Net Charge-Offs / Loans0.31%n/a0.01%0.06%Beats 5%551 / 581
Capital
Tier 1 Capital Ratio17.51%11.24%13.84%18.77%Beats 72%179 / 629
Total Risk-Based Capital Ratio17.51%11.58%14.43%19.66%Beats 69%196 / 629
Equity / Assets9.75%9.09%10.65%13.80%Beats 36%402 / 629
Liquidity & Funding
Loans / Deposits52.72%67.24%80.90%93.48%12th pctl522 / 594
Loans / Assets37.65%53.31%67.71%78.15%14th pctl544 / 629
Brokered Deposits / Depositsn/aNot reported for this institution