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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

$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