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Citizens Trust Bank

Atlanta, GA · Cert 8033 · Citizens Bancshares Corp.

State charter, Fed member · FED · 7 branches

Q2 2026

$790.3MAssets
$389.8MLoans
$678.1MDeposits
$98.7MEquity
Loan mix
69%RE $266.1M27%C&I $102.7M4%Consumer $15.4MQ2 2025Q2 2026
Deposit mix
59%Interest-bearing $400.9M41%Noninterest $277.2MQ2 2025Q2 2026

NIM

5.39%Q2 ’245.02%Q2 ’254.90%Q2 ’26-15%-1%

Non-interest income vs. expense

2.50%Q2 ’242.43%Q2 ’252.44%Q2 ’26-7%+3%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.2% share · #27 of 81 inst. · $0.6B of $255.1B

0.4% Fulton
0.6% DeKalb
0.2% Jefferson
16.2% Greene

Executive Summary

  • Earnings: ROA of 1.64%, down 12 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 1.63% of loans (+27 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 13.24%, up 118 bps from a year ago.
  • Funding: loans stand at 57.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.64%-12 bps YoY

Net Interest Margin (quarter, annualized)

4.05%-6 bps YoY

Efficiency Ratio (quarter, annualized)

52.55%+129 bps YoY

Tier 1 Leverage Ratio

13.24%+118 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.85%1.84%1.52%1.64%-12 bps
Return on Equity15.20%15.40%14.39%11.69%12.80%-241 bps
Net Interest Margin4.11%4.21%4.17%3.97%4.05%-6 bps
Efficiency Ratio51.26%49.07%50.50%55.70%52.55%+129 bps
Non-Interest Burden1.80%1.73%1.73%1.94%1.85%+5 bps
Growth
Asset Growth (YoY)2.75%-0.29%0.26%2.29%1.60%-114 bps
Loan Growth (YoY)-0.86%-6.12%-6.75%-3.52%-1.96%-110 bps
Deposit Growth (YoY)2.62%-1.96%-1.85%0.86%-0.13%-275 bps
Asset Quality
Nonperforming Loans / Loans1.35%1.06%0.87%1.29%1.63%+27 bps
Net Charge-Offs / Loans0.04%0.36%0.03%0.05%0.02%-2 bps
Allowance / Loans1.19%1.19%1.22%1.23%1.26%+7 bps
Allowance Coverage of NPLs0.9x1.1x1.4x1.0x0.8x-0.1x
Capital
Tier 1 Leverage Ratio12.06%13.27%13.68%13.86%13.24%+118 bps
Total Risk-Based Capital21.25%23.85%25.16%25.51%23.87%+262 bps
Equity / Assets11.30%12.71%12.80%13.19%12.49%+119 bps
Liquidity & Funding
Loans / Deposits58.56%58.03%55.76%57.46%57.49%-107 bps
Liquid Assets / Assets5.19%7.89%8.06%5.21%4.26%-94 bps
CRE / Total Capitaln/a189.97%176.37%172.28%n/an/a