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Letter portraitLegal landscapeQuarterYTD

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