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Letter portraitLegal landscapeQuarterYTD

Citizens Bank of West Virginia, Inc.

Elkins, WV · Cert 6760 · Citizens Financial Corp.

State charter, non-member · FDIC · 9 branches

Q2 2026

$772.5MAssets
$610.8MLoans
$678.7MDeposits
$79.0MEquity
Loan mix
38%RE $207.2M9%C&I $47.1M53%Consumer $289.5MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $538.2M21%Noninterest $140.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.90%, up 30 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 0.58% of loans (+24 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 10.00%, down 13 bps from a year ago.
  • Funding: loans stand at 90.00% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.90%+30 bps YoY

Net Interest Margin (quarter, annualized)

4.26%+36 bps YoY

Efficiency Ratio (quarter, annualized)

43.55%-434 bps YoY

Tier 1 Leverage Ratio

10.00%-13 bps YoY

NIM

5.30%Q2 ’245.72%Q2 ’255.77%Q2 ’26+24%+9%

Non-interest income vs. expense

2.11%Q2 ’242.20%Q2 ’252.25%Q2 ’26+6%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.54%1.54%1.60%1.63%1.57%1.97%1.90%+30 bps
Return on Equity14.02%16.41%15.97%16.12%15.81%15.08%19.60%18.94%+281 bps
Net Interest Margin3.41%3.68%3.81%3.91%4.11%4.27%4.16%4.26%+36 bps
Efficiency Ratio51.17%47.02%48.18%47.89%49.54%48.32%48.37%43.55%-434 bps
Non-Interest Burden1.48%1.38%1.55%1.56%1.72%1.83%1.19%1.51%-5 bps
Growth
Asset Growth (YoY)11.34%2.28%2.07%0.14%-0.95%5.69%12.81%13.19%+1,305 bps
Loan Growth (YoY)9.66%4.59%0.62%-1.47%-0.44%1.77%8.31%13.06%+1,453 bps
Deposit Growth (YoY)8.66%2.19%5.71%3.35%2.02%4.96%12.98%12.77%+943 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.35%0.32%0.34%0.34%0.42%0.49%0.58%+24 bps
Net Charge-Offs / Loans0.34%0.33%0.41%0.13%0.28%0.25%0.69%0.08%-6 bps
Allowance / Loans0.92%0.95%0.95%0.99%0.99%1.03%1.02%1.03%+4 bps
Allowance Coverage of NPLs2.6x2.7x2.9x3.0x2.9x2.5x2.1x1.8x-1.2x
Capital
Tier 1 Leverage Ratio9.28%9.35%9.81%10.13%10.48%10.33%10.32%10.00%-13 bps
Total Risk-Based Capital11.63%11.72%12.29%12.60%12.69%12.60%12.70%10.00%-260 bps
Equity / Assets9.16%9.61%9.70%10.13%10.51%10.35%9.81%10.22%+10 bps
Liquidity & Funding
Loans / Deposits93.49%92.92%88.45%89.77%91.24%90.10%84.79%90.00%+23 bps
Liquid Assets / Assets1.73%1.06%5.25%4.01%2.75%5.03%6.29%1.78%-223 bps
CRE / Total Capitaln/an/an/an/a137.84%138.36%141.78%n/an/a