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Ccfbank National Association

Altoona, WI · Cert 57265 · Citizens Community Bcorp Inc.

National charter · OCC · 21 branches

Q2 2026

$1.8BAssets
$1.4BLoans
$1.6BDeposits
$217.6MEquity
Loan mix
92%RE $1.2B8%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $1.3B19%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.96%Q2 ’245.20%Q2 ’254.92%Q2 ’26+19%-4%

Non-interest income vs. expense

2.20%Q2 ’242.38%Q2 ’252.23%Q2 ’26+6%-3%

Market Position · Eau Claire, WI · 2026 SOD (annual) · 11.5% share · #3 of 22 inst. · $0.4B of $3.7B

15.7% Eau Claire
21.3% Monroe
23.6% Trempealeau
10.7% Barron

Executive Summary

  • Earnings: ROA of 0.44%, down 53 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 2.28% of loans (+138 bps YoY), with net charge-offs at 0.41%.
  • Capital: tier 1 leverage ratio of 11.21%, down 101 bps from a year ago.
  • Funding: loans stand at 87.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.44%-53 bps YoY

Net Interest Margin (quarter, annualized)

3.23%-12 bps YoY

Efficiency Ratio (quarter, annualized)

59.80%-15 bps YoY

Tier 1 Leverage Ratio

11.21%-101 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.04%1.12%1.03%0.44%-53 bps
Return on Equity7.56%7.95%8.89%8.64%3.65%-390 bps
Net Interest Margin3.35%3.29%3.21%3.14%3.23%-12 bps
Efficiency Ratio59.95%62.47%62.48%60.02%59.80%-15 bps
Non-Interest Burden1.77%1.79%1.79%1.61%1.72%-5 bps
Growth
Asset Growth (YoY)-3.75%-4.03%1.88%2.38%4.53%+828 bps
Loan Growth (YoY)-5.40%-6.82%-1.83%0.21%2.38%+779 bps
Deposit Growth (YoY)-2.40%-3.30%2.91%3.09%5.50%+790 bps
Asset Quality
Nonperforming Loans / Loans0.90%1.19%1.18%1.28%2.28%+138 bps
Net Charge-Offs / Loans0.00%-0.02%0.00%0.06%0.41%+40 bps
Allowance / Loans1.58%1.67%1.67%1.69%1.87%+29 bps
Allowance Coverage of NPLs1.8x1.4x1.4x1.3x0.8x-0.9x
Capital
Tier 1 Leverage Ratio12.22%12.24%11.33%11.32%11.21%-101 bps
Total Risk-Based Capital15.67%15.87%14.62%14.41%14.19%-148 bps
Equity / Assets12.96%13.15%11.97%11.97%12.01%-95 bps
Liquidity & Funding
Loans / Deposits90.28%89.41%86.82%85.57%87.61%-267 bps
Liquid Assets / Assets6.94%8.00%9.57%11.13%9.38%+244 bps
CRE / Total Capitaln/a436%472%469%n/an/a