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Citizens Bank and Trust Company

Blackstone, VA · Cert 823 · Citizens Bcorp of Virginia Inc.

State charter, Fed member · FED · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

93

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

Citizens Bank and Trust Company

Blackstone, VA · Cert 823 · Citizens Bcorp of Virginia Inc.

State charter, Fed member · FED · 12 branches

Q2 2026

$577.6MAssets
$288.5MLoans
$485.5MDeposits
$83.0MEquity
Loan mix
91%RE $259.5M5%C&I $15.5M3%Consumer $8.7MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $361.4M26%Noninterest $124.1MQ2 2025Q2 2026

NIM

4.25%Q2 ’244.59%Q2 ’254.97%Q2 ’26+7%+10%

Non-interest income vs. expense

2.04%Q2 ’242.14%Q2 ’252.27%Q2 ’26+1%+4%

Market Position · Richmond, VA · 2026 SOD (annual) · 0.3% share · #17 of 30 inst. · $0.2B of $60.7B

72.4% Nottoway
72.6% Amelia
12.7% Prince Edward
1.8% Colonial Heights (City)

Executive Summary

  • Earnings: ROA of 2.11%, up 28 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.23% of loans (+13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.39%, up 104 bps from a year ago.
  • Funding: loans stand at 59.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.11%+28 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+38 bps YoY

Efficiency Ratio (YTD, annualized)

46.92%-188 bps YoY

Tier 1 Leverage Ratio

15.39%+104 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.83%1.84%1.80%1.89%2.11%+28 bps
Return on Equity14.66%14.44%13.86%13.69%15.05%+39 bps
Net Interest Margin3.79%3.88%3.90%4.08%4.17%+38 bps
Efficiency Ratio48.80%49.15%50.32%49.04%46.92%-188 bps
Non-Interest Burden1.54%1.61%1.69%1.74%1.60%+5 bps
Growth
Asset Growth (YoY)0.96%4.31%4.68%2.96%2.85%+189 bps
Loan Growth (YoY)3.90%3.44%3.80%5.27%4.97%+107 bps
Deposit Growth (YoY)-1.16%2.83%3.19%1.82%1.50%+266 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.12%0.25%0.23%0.23%+13 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.00%-1 bps
Allowance / Loans1.25%1.27%1.28%1.28%1.28%+3 bps
Allowance Coverage of NPLs13.1x10.4x5.1x5.5x5.6x-7.6x
Capital
Tier 1 Leverage Ratio14.35%14.71%14.83%15.00%15.39%+104 bps
Total Risk-Based Capital14.35%14.71%14.83%15.00%15.39%+104 bps
Equity / Assets13.02%13.51%13.76%13.82%14.37%+135 bps
Liquidity & Funding
Loans / Deposits57.45%57.51%57.42%57.58%59.42%+197 bps
Liquid Assets / Assets0.09%0.09%0.09%0.09%0.11%+2 bps
CRE / Total Capitaln/a105.68%105.05%106.94%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

Citizens Bank and Trust Company

Blackstone, VA · Cert 823 · Peer group: banks under $1B in assets (n=581-629) · Citizens Bcorp of Virginia Inc.

State charter, Fed member · FED · 12 branches

Q2 2026

$577.6MAssets
$288.5MLoans
$485.5MDeposits
$83.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 93% of banks under $1B in assets (rank 48 of 629).
  • Widest gap: net charge-offs / loans trails 44% of banks under $1B in assets (rank 257 of 581).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

2.11%

Rank 67 of 629

Net Interest Margin

4.17%

Rank 125 of 629

Efficiency Ratio

46.92%

Rank 48 of 629

Equity / Assets

14.37%

Rank 149 of 629

Non-interest income vs. expense

$4.0M$13.4MINCOMEEXPENSE
Unfavorable gap of $9.4M · efficiency ratio beats 93% of banks under $1B in assets
Bank 46.92%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.11%0.60%1.01%1.45%Beats 89%67 / 629
Return on Equity14.70%5.38%9.30%13.28%Beats 82%115 / 629
Net Interest Margin4.17%3.03%3.54%4.05%Beats 80%125 / 629
Efficiency Ratio46.92%58.35%67.79%79.08%Beats 93%48 / 629
Asset Quality
Nonperforming Loans / Loans0.23%0.09%0.46%1.20%Beats 63%217 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 56%257 / 581
Capital
Tier 1 Capital Ratio15.39%11.24%13.84%18.77%Beats 63%235 / 629
Total Risk-Based Capital Ratio15.39%11.58%14.43%19.66%Beats 57%272 / 629
Equity / Assets14.37%9.09%10.65%13.80%Beats 76%149 / 629
Liquidity & Funding
Loans / Deposits59.42%67.24%80.90%93.48%17th pctl493 / 594
Loans / Assets49.95%53.31%67.71%78.15%21st pctl497 / 629
Brokered Deposits / Depositsn/aNot reported for this institution