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Letter portraitLegal landscapeQuarterYTD

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