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Letter portraitLegal landscapeQuarterYTD

Citizens State Bank of Loyal

Loyal, WI · Cert 6186 · Citizens Bancshares Loyal Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$311.5MAssets
$181.9MLoans
$250.3MDeposits
$31.8MEquity
Loan mix
95%RE $133.3M5%C&I $6.9M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $199.9M20%Noninterest $50.5MQ2 2025Q2 2026

NIM

4.10%Q2 ’244.37%Q2 ’254.71%Q2 ’26+11%+20%

Non-interest income vs. expense

2.05%Q2 ’241.99%Q2 ’252.16%Q2 ’26-2%+9%

Market Position · Wausau, WI · 2026 SOD (annual) · 0.8% share · #13 of 17 inst. · $0.0B of $5.4B

34.7% Clark
0.8% Marathon

Executive Summary

  • Earnings: ROA of 1.16%, up 27 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.00% of loans (-10 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.48%, up 65 bps from a year ago.
  • Funding: loans stand at 72.68% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+50 bps YoY

Efficiency Ratio (YTD, annualized)

61.89%-540 bps YoY

Tier 1 Leverage Ratio

11.48%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.97%0.99%1.17%1.16%+27 bps
Return on Equity10.12%10.69%10.69%11.68%11.56%+144 bps
Net Interest Margin2.57%2.62%2.77%3.02%3.07%+50 bps
Efficiency Ratio67.29%64.92%64.91%62.61%61.89%-540 bps
Non-Interest Burden1.60%1.57%1.66%1.74%1.74%+14 bps
Growth
Asset Growth (YoY)10.47%-0.66%2.06%1.07%-1.62%-1,209 bps
Loan Growth (YoY)2.70%3.45%4.42%1.41%6.19%+349 bps
Deposit Growth (YoY)11.46%-1.97%0.56%-0.38%-1.80%-1,326 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.02%0.02%0.02%0.00%-10 bps
Net Charge-Offs / Loans0.04%0.04%0.04%0.00%0.01%-3 bps
Allowance / Loans0.97%1.06%1.06%1.13%1.09%+12 bps
Allowance Coverage of NPLs9.9x43.5x49.7x53.5x658.7x+648.7x
Capital
Tier 1 Leverage Ratio10.82%10.94%11.33%11.42%11.48%+65 bps
Total Risk-Based Capital16.77%17.84%17.63%18.40%11.48%-530 bps
Equity / Assets8.90%9.87%9.92%10.06%10.22%+131 bps
Liquidity & Funding
Loans / Deposits67.22%71.85%72.96%72.38%72.68%+547 bps
Liquid Assets / Assets10.81%7.63%7.05%8.24%6.71%-410 bps
CRE / Total Capitaln/a158.34%168.70%151.64%n/an/a