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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

$103.6MAssets
$65.6MLoans
$79.6MDeposits
$18.7MEquity
Loan mix
87%RE $44.7M8%C&I $4.0M5%Consumer $2.7MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $61.0M23%Noninterest $18.6MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%1.60%1.71%1.77%1.78%1.89%1.61%1.69%-8 bps
Return on Equity8.88%9.56%9.74%10.11%10.09%10.73%9.17%9.55%-56 bps
Net Interest Margin4.18%4.08%4.29%4.31%4.38%4.19%4.15%4.25%-6 bps
Efficiency Ratio62.07%59.99%59.18%57.16%56.94%54.90%58.98%57.45%+30 bps
Non-Interest Burden2.26%2.08%2.18%2.12%2.15%1.92%2.10%2.07%-5 bps
Growth
Asset Growth (YoY)-11.86%-3.61%1.96%7.36%7.77%9.24%7.83%3.06%-430 bps
Loan Growth (YoY)3.85%1.85%2.49%8.44%7.30%4.66%2.61%0.95%-748 bps
Deposit Growth (YoY)-13.02%-6.64%-4.41%0.91%3.83%6.02%7.05%3.94%+304 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.02%0.00%0.01%0.00%0.03%0.21%+21 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%0.01%0.00%0.00%0.00%+1 bps
Allowance / Loans1.04%1.00%1.01%0.95%0.95%0.95%0.98%0.93%-2 bps
Allowance Coverage of NPLsn/an/a61.9xn/a68.0xn/a30.6x4.4xn/a
Capital
Tier 1 Leverage Ratio18.90%18.52%17.90%17.97%18.34%17.88%17.86%18.31%+34 bps
Total Risk-Based Capital32.05%31.53%31.60%29.93%29.66%29.96%31.48%30.80%+87 bps
Equity / Assets17.98%17.67%17.44%17.47%17.99%17.65%17.44%18.09%+62 bps
Liquidity & Funding
Loans / Deposits83.52%82.88%80.56%84.91%86.30%81.81%77.21%82.47%-244 bps
Liquid Assets / Assets5.63%3.46%8.02%7.13%5.09%9.78%13.30%9.83%+271 bps
CRE / Total Capitaln/an/an/an/a29.10%30.09%29.70%n/an/a