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Letter portraitLegal landscapeQuarterYTD

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 0.37%, down 21 bps year over year; NIM at 2.24%.
  • Asset quality: problem loans at 0.26% of loans (+19 bps YoY), with net charge-offs at 0.54%.
  • 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 (quarter, annualized)

0.37%-21 bps YoY

Net Interest Margin (quarter, annualized)

2.24%+41 bps YoY

Efficiency Ratio (quarter, annualized)

66.23%-516 bps YoY

Tier 1 Leverage Ratio

17.51%-92 bps YoY

NIM

4.16%Q2 ’244.33%Q2 ’254.58%Q2 ’26+85%+22%

Non-interest income vs. expense

1.40%Q2 ’241.71%Q2 ’251.70%Q2 ’26+4%+19%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.32%-1.78%0.24%0.58%0.60%0.50%0.49%0.37%-21 bps
Return on Equity-3.61%-20.01%2.82%6.86%6.95%5.42%5.27%3.96%-291 bps
Net Interest Margin0.98%1.33%1.64%1.83%2.10%2.14%2.18%2.24%+41 bps
Efficiency Ratio116.23%85.07%84.86%71.39%70.46%59.26%67.49%66.23%-516 bps
Non-Interest Burden1.18%1.08%1.35%1.15%1.39%1.11%1.38%1.37%+22 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 / Loans0.81%0.79%0.29%0.30%0.56%0.96%0.40%0.54%+23 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