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Citizens State Bank and Trust Company

Hiawatha, KS · Cert 5830 · Crossdale Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

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 in KS (n=98). 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

93

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

56

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 State Bank and Trust Company

Hiawatha, KS · Cert 5830 · Crossdale Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$103.6MAssets
$65.6MLoans
$79.6MDeposits
$18.7MEquity
Loan mix
87%RE $44.7M8%C&I $4.0M5%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $61.0M23%Noninterest $18.6MQ2 2025Q2 2026

NIM

4.46%Q2 ’244.86%Q2 ’254.96%Q2 ’26+5%-1%

Non-interest income vs. expense

3.08%Q2 ’242.92%Q2 ’252.94%Q2 ’26-7%-2%

Executive Summary

  • Earnings: ROA of 1.69%, down 8 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.21% of loans (+21 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 18.31%, up 34 bps from a year ago.
  • Funding: loans stand at 82.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.69%-8 bps YoY

Net Interest Margin (YTD, annualized)

4.25%-6 bps YoY

Efficiency Ratio (YTD, annualized)

57.45%+30 bps YoY

Tier 1 Leverage Ratio

18.31%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.78%1.89%1.61%1.69%-8 bps
Return on Equity10.11%10.09%10.73%9.17%9.55%-56 bps
Net Interest Margin4.31%4.38%4.19%4.15%4.25%-6 bps
Efficiency Ratio57.16%56.94%54.90%58.98%57.45%+30 bps
Non-Interest Burden2.12%2.15%1.92%2.10%2.07%-5 bps
Growth
Asset Growth (YoY)7.36%7.77%9.24%7.83%3.06%-430 bps
Loan Growth (YoY)8.44%7.30%4.66%2.61%0.95%-748 bps
Deposit Growth (YoY)0.91%3.83%6.02%7.05%3.94%+304 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.00%0.03%0.21%+21 bps
Net Charge-Offs / Loans-0.01%0.01%0.00%0.00%0.00%+1 bps
Allowance / Loans0.95%0.95%0.95%0.98%0.93%-2 bps
Allowance Coverage of NPLsn/a68.0xn/a30.6x4.4xn/a
Capital
Tier 1 Leverage Ratio17.97%18.34%17.88%17.86%18.31%+34 bps
Total Risk-Based Capital29.93%29.66%29.96%31.48%30.80%+87 bps
Equity / Assets17.47%17.99%17.65%17.44%18.09%+62 bps
Liquidity & Funding
Loans / Deposits84.91%86.30%81.81%77.21%82.47%-244 bps
Liquid Assets / Assets7.13%5.09%9.78%13.30%9.83%+271 bps
CRE / Total Capitaln/a29.10%30.09%29.70%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 State Bank and Trust Company

Hiawatha, KS · Cert 5830 · Peer group: banks under $1B in assets in KS (n=98) · Crossdale Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$103.6MAssets
$65.6MLoans
$79.6MDeposits
$18.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: return on equity trails 69% of banks under $1B in assets in KS (rank 68 of 98).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.71%

Rank 14 of 98

Net Interest Margin

4.25%

Rank 14 of 98

Efficiency Ratio

57.45%

Rank 44 of 98

Equity / Assets

18.09%

Rank 10 of 98

Non-interest income vs. expense

$0.9M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 56% of banks under $1B in assets in KS
Bank 57.45%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.71%1.03%1.24%1.54%Beats 86%14 / 98
Return on Equity9.47%8.85%11.58%14.73%Beats 31%68 / 98
Net Interest Margin4.25%3.24%3.62%3.91%Beats 86%14 / 98
Efficiency Ratio57.45%51.87%58.88%64.74%Beats 56%44 / 98
Asset Quality
Nonperforming Loans / Loans0.21%0.01%0.33%1.05%Beats 60%40 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio29.83%11.81%13.71%17.33%Beats 95%5 / 98
Total Risk-Based Capital Ratio30.80%11.81%14.13%17.45%Beats 95%5 / 98
Equity / Assets18.09%8.60%11.34%13.10%Beats 90%10 / 98
Liquidity & Funding
Loans / Deposits82.47%57.09%69.84%82.47%74th pctl25 / 98
Loans / Assets63.35%49.34%58.31%68.94%61st pctl38 / 98
Brokered Deposits / Depositsn/aNot reported for this institution