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First Citizens Community Bank

Mansfield, PA · Cert 7593 · Citizens Finl Services Inc.

State charter, Fed member · FED · 44 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

10

Q2 2024Q2 2026peer median

Efficiency

68

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

First Citizens Community Bank

Mansfield, PA · Cert 7593 · Citizens Finl Services Inc.

State charter, Fed member · FED · 44 branches

Q2 2026

$3.2BAssets
$2.4BLoans
$2.4BDeposits
$361.9MEquity
Loan mix
93%RE $2.0B6%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $2.0B17%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.09%Q2 ’245.16%Q2 ’255.16%Q2 ’26+8%+7%

Non-interest income vs. expense

2.20%Q2 ’242.08%Q2 ’252.08%Q2 ’26-1%-2%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #32 of 88 inst. · $0.6B of $685.1B

43.6% Tioga
28.9% Bradford
9.6% Lebanon
0.6% Montgomery

Executive Summary

  • Earnings: ROA of 1.43%, up 25 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 1.70% of loans (+60 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.64%, up 42 bps from a year ago.
  • Funding: loans stand at 100.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.43%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+24 bps YoY

Efficiency Ratio (YTD, annualized)

53.16%-390 bps YoY

Tier 1 Leverage Ratio

9.64%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.25%1.31%1.45%1.43%+25 bps
Return on Equity10.60%11.17%11.57%12.37%12.32%+172 bps
Net Interest Margin3.25%3.32%3.34%3.50%3.49%+24 bps
Efficiency Ratio57.06%55.73%54.61%53.15%53.16%-390 bps
Non-Interest Burden1.62%1.60%1.58%1.60%1.59%-3 bps
Growth
Asset Growth (YoY)0.65%0.97%1.28%0.33%7.59%+694 bps
Loan Growth (YoY)-0.56%0.19%1.60%-0.76%6.56%+712 bps
Deposit Growth (YoY)0.84%-1.59%-0.17%3.73%4.53%+369 bps
Asset Quality
Nonperforming Loans / Loans1.10%0.88%1.14%1.64%1.70%+60 bps
Net Charge-Offs / Loans0.06%0.04%0.03%0.01%0.00%-7 bps
Allowance / Loans0.98%0.96%0.97%0.99%0.98%0 bps
Allowance Coverage of NPLs0.9x1.1x0.8x0.6x0.6x-0.3x
Capital
Tier 1 Leverage Ratio9.22%9.44%9.54%9.33%9.64%+42 bps
Total Risk-Based Capital9.22%9.44%9.54%9.33%9.64%+42 bps
Equity / Assets11.30%11.41%11.70%11.68%11.35%+6 bps
Liquidity & Funding
Loans / Deposits98.22%97.26%99.05%93.74%100.13%+191 bps
Liquid Assets / Assets0.90%0.36%0.47%0.34%0.38%-52 bps
CRE / Total Capitaln/a390%388%399%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

First Citizens Community Bank

Mansfield, PA · Cert 7593 · Peer group: banks $1B-$10B in assets (n=322-328) · Citizens Finl Services Inc.

State charter, Fed member · FED · 44 branches

Q2 2026

$3.2BAssets
$2.4BLoans
$2.4BDeposits
$361.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 73% of banks $1B-$10B in assets (rank 89 of 322).
  • Widest gap: total risk-based capital ratio trails 98% of banks $1B-$10B in assets (rank 323 of 328).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.38%

Rank 111 of 328

Net Interest Margin

3.49%

Rank 157 of 328

Efficiency Ratio

53.51%

Rank 107 of 328

Equity / Assets

11.35%

Rank 114 of 328

Non-interest income vs. expense

$15.1M$64.2MINCOMEEXPENSE
Unfavorable gap of $49.2M · efficiency ratio beats 68% of banks $1B-$10B in assets
Bank 53.51%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.38%0.91%1.22%1.52%Beats 66%111 / 328
Return on Equity12.18%8.43%11.45%14.43%Beats 56%144 / 328
Net Interest Margin3.49%3.03%3.45%3.83%Beats 52%157 / 328
Efficiency Ratio53.51%51.61%59.56%67.53%Beats 68%107 / 328
Asset Quality
Nonperforming Loans / Loans1.70%0.24%0.51%1.03%Beats 11%287 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 73%89 / 322
Capital
Tier 1 Capital Ratio9.64%11.75%13.15%15.47%Beats 2%322 / 328
Total Risk-Based Capital Ratio9.64%12.63%14.15%16.46%Beats 2%323 / 328
Equity / Assets11.35%9.15%10.33%12.01%Beats 65%114 / 328
Liquidity & Funding
Loans / Deposits100.13%76.63%87.92%95.36%86th pctl44 / 323
Loans / Assets75.47%65.18%74.15%79.98%56th pctl143 / 328
Brokered Deposits / Depositsn/aNot reported for this institution