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Citizens Bank & Trust

Guntersville, AL · Cert 57483 · Citizens B&T Holdings Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=322 to 328). 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

46

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

7

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 & Trust

Guntersville, AL · Cert 57483 · Citizens B&T Holdings Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$1.2BAssets
$623.9MLoans
$1.1BDeposits
$75.7MEquity
Loan mix
85%RE $511.8M12%C&I $75.3M3%Consumer $16.7MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $878.1M20%Noninterest $224.5MQ2 2025Q2 2026

NIM

4.44%Q2 ’244.35%Q2 ’254.32%Q2 ’26+19%+2%

Non-interest income vs. expense

2.35%Q2 ’242.26%Q2 ’252.36%Q2 ’26+19%+4%

Market Position · Huntsville, AL · 2026 SOD (annual) · 0.9% share · #20 of 37 inst. · $0.1B of $12.4B

29.8% Marshall
0.8% Madison
3.4% Cullman
1.5% Lauderdale

Executive Summary

  • Earnings: ROA of 0.60%, up 5 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.08% of loans (-15 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 8.93%, down 31 bps from a year ago.
  • Funding: loans stand at 56.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.60%+5 bps YoY

Net Interest Margin (YTD, annualized)

2.48%+6 bps YoY

Efficiency Ratio (YTD, annualized)

78.11%+129 bps YoY

Tier 1 Leverage Ratio

8.93%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.57%0.58%0.58%0.60%+5 bps
Return on Equity9.67%9.58%9.52%8.86%9.27%-40 bps
Net Interest Margin2.43%2.50%2.50%2.53%2.48%+6 bps
Efficiency Ratio76.82%76.79%76.52%79.64%78.11%+129 bps
Non-Interest Burden1.74%1.80%1.79%1.90%1.82%+8 bps
Growth
Asset Growth (YoY)3.51%3.30%5.58%5.59%10.43%+692 bps
Loan Growth (YoY)6.40%5.92%9.08%1.25%2.21%-420 bps
Deposit Growth (YoY)10.07%8.75%8.97%6.75%10.93%+86 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.23%0.15%0.17%0.08%-15 bps
Net Charge-Offs / Loans0.01%0.07%0.12%0.01%0.03%+2 bps
Allowance / Loans1.15%1.10%1.05%1.08%1.04%-11 bps
Allowance Coverage of NPLs4.9x4.8x6.9x6.2x12.7x+7.8x
Capital
Tier 1 Leverage Ratio9.24%9.42%9.28%9.25%8.93%-31 bps
Total Risk-Based Capital15.53%15.69%15.21%15.85%15.64%+12 bps
Equity / Assets5.92%6.51%6.73%6.49%6.30%+38 bps
Liquidity & Funding
Loans / Deposits61.41%61.28%63.44%57.43%56.58%-483 bps
Liquid Assets / Assets11.83%12.19%9.11%15.64%15.81%+398 bps
CRE / Total Capitaln/a308%316%302%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 & Trust

Guntersville, AL · Cert 57483 · Peer group: banks $1B-$10B in assets (n=322-328) · Citizens B&T Holdings Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$1.2BAssets
$623.9MLoans
$1.1BDeposits
$75.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 89% of banks $1B-$10B in assets (rank 37 of 322).
  • Widest gap: equity / assets trails 99% of banks $1B-$10B in assets (rank 326 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.58%

Rank 301 of 328

Net Interest Margin

2.48%

Rank 313 of 328

Efficiency Ratio

78.11%

Rank 305 of 328

Equity / Assets

6.30%

Rank 326 of 328

Non-interest income vs. expense

$6.4M$27.8MINCOMEEXPENSE
Unfavorable gap of $21.4M · efficiency ratio beats 7% of banks $1B-$10B in assets
Bank 78.11%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.58%0.91%1.22%1.52%Beats 8%301 / 328
Return on Equity9.17%8.43%11.45%14.43%Beats 30%229 / 328
Net Interest Margin2.48%3.03%3.45%3.83%Beats 5%313 / 328
Efficiency Ratio78.11%51.61%59.56%67.53%Beats 7%305 / 328
Asset Quality
Nonperforming Loans / Loans0.08%0.24%0.51%1.03%Beats 89%37 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 65%114 / 322
Capital
Tier 1 Capital Ratio14.67%11.75%13.15%15.47%Beats 68%105 / 328
Total Risk-Based Capital Ratio15.64%12.63%14.15%16.46%Beats 70%100 / 328
Equity / Assets6.30%9.15%10.33%12.01%Beats 1%326 / 328
Liquidity & Funding
Loans / Deposits56.58%76.63%87.92%95.36%6th pctl305 / 323
Loans / Assets51.95%65.18%74.15%79.98%9th pctl298 / 328
Brokered Deposits / Depositsn/aNot reported for this institution