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Citizens Bank of Rogersville

Rogersville, MO · Cert 8572 · Wildcat Bancshares Inc.

State charter, non-member · FDIC · 2 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

43

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 of Rogersville

Rogersville, MO · Cert 8572 · Wildcat Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$125.2MAssets
$93.7MLoans
$106.6MDeposits
$13.8MEquity
Loan mix
85%RE $77.8M12%C&I $10.8M3%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $82.5M23%Noninterest $24.1MQ2 2025Q2 2026

NIM

5.64%Q2 ’245.79%Q2 ’255.77%Q2 ’26+11%+4%

Non-interest income vs. expense

2.94%Q2 ’243.07%Q2 ’253.20%Q2 ’26+12%-3%

Market Position · Springfield, MO · 2026 SOD (annual) · 0.6% share · #27 of 41 inst. · $0.1B of $17.8B

Executive Summary

  • Earnings: ROA of 0.98%, up 30 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.41% of loans (-6 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.37%, up 86 bps from a year ago.
  • Funding: loans stand at 87.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+14 bps YoY

Efficiency Ratio (YTD, annualized)

70.44%-265 bps YoY

Tier 1 Leverage Ratio

11.37%+86 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.80%0.78%0.84%0.98%+30 bps
Return on Equity7.00%7.98%7.74%7.67%8.93%+193 bps
Net Interest Margin3.80%3.86%3.85%3.90%3.94%+14 bps
Efficiency Ratio73.10%70.83%71.33%73.02%70.44%-265 bps
Non-Interest Burden2.65%2.56%2.58%2.72%2.57%-8 bps
Growth
Asset Growth (YoY)-1.50%-3.66%-1.05%-4.33%0.59%+209 bps
Loan Growth (YoY)-4.80%-6.21%-6.01%-5.82%-2.47%+233 bps
Deposit Growth (YoY)-1.64%-4.32%-1.12%-2.33%3.71%+535 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.37%0.45%0.43%0.41%-6 bps
Net Charge-Offs / Loans0.09%0.07%0.05%-0.03%-0.02%-11 bps
Allowance / Loans1.92%2.01%2.15%2.17%2.20%+28 bps
Allowance Coverage of NPLs4.1x5.4x4.8x5.1x5.4x+1.3x
Capital
Tier 1 Leverage Ratio10.51%10.92%11.13%11.18%11.37%+86 bps
Total Risk-Based Capital10.51%10.92%11.13%11.18%11.37%+86 bps
Equity / Assets10.18%10.59%10.88%10.93%11.04%+85 bps
Liquidity & Funding
Loans / Deposits93.44%91.09%88.24%90.43%87.87%-557 bps
Liquid Assets / Assets1.82%4.85%6.10%4.04%6.05%+423 bps
CRE / Total Capitaln/a265%261%271%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 of Rogersville

Rogersville, MO · Cert 8572 · Peer group: banks under $1B in assets (n=581-629) · Wildcat Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$125.2MAssets
$93.7MLoans
$106.6MDeposits
$13.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: total risk-based capital ratio trails 77% of banks under $1B in assets (rank 486 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.97%

Rank 335 of 629

Net Interest Margin

3.94%

Rank 188 of 629

Efficiency Ratio

70.44%

Rank 360 of 629

Equity / Assets

11.04%

Rank 285 of 629

Non-interest income vs. expense

$0.8M$4.0MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 43% of banks under $1B in assets
Bank 70.44%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.60%1.01%1.45%Beats 47%335 / 629
Return on Equity8.81%5.38%9.30%13.28%Beats 45%343 / 629
Net Interest Margin3.94%3.03%3.54%4.05%Beats 70%188 / 629
Efficiency Ratio70.44%58.35%67.79%79.08%Beats 43%360 / 629
Asset Quality
Nonperforming Loans / Loans0.41%0.09%0.46%1.20%Beats 53%276 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio11.37%11.24%13.84%18.77%Beats 27%460 / 629
Total Risk-Based Capital Ratio11.37%11.58%14.43%19.66%Beats 23%486 / 629
Equity / Assets11.04%9.09%10.65%13.80%Beats 55%285 / 629
Liquidity & Funding
Loans / Deposits87.87%67.24%80.90%93.48%64th pctl213 / 594
Loans / Assets74.84%53.31%67.71%78.15%66th pctl217 / 629
Brokered Deposits / Depositsn/aNot reported for this institution