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Citizens State Bank at Mohall, The

Mohall, ND · Cert 8632 · Jorgenson Holding Co.

State charter, non-member · FDIC · 3 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

47

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 State Bank at Mohall, The

Mohall, ND · Cert 8632 · Jorgenson Holding Co.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (6 in holding)

Q2 2026

$80.2MAssets
$59.2MLoans
$69.9MDeposits
$9.2MEquity
Loan mix
80%RE $33.8M14%C&I $5.9M6%Consumer $2.4MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $53.9M23%Noninterest $16.0MQ3 2024Q2 2026

Market Position · Minot, ND · 2026 SOD (annual) · 1.7% share · #13 of 14 inst. · $0.1B of $3.7B

80.6% Renville
1.9% Bottineau

Executive Summary

  • Earnings: ROA of 0.92%, up 14 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.43% of loans (-26 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 11.78%, down 31 bps from a year ago.
  • Funding: loans stand at 84.71% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.92%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.62%-6 bps YoY

Efficiency Ratio (YTD, annualized)

69.22%-441 bps YoY

Tier 1 Leverage Ratio

11.78%-31 bps YoY

NIM

5.01%Q2 ’245.12%Q2 ’255.11%Q2 ’26+2%-2%

Non-interest income vs. expense

2.80%Q2 ’242.78%Q2 ’252.59%Q2 ’26+0%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.50%0.66%0.78%0.77%0.75%0.89%0.92%+14 bps
Return on Equity6.14%4.42%5.79%6.95%6.82%6.60%8.02%8.15%+120 bps
Net Interest Margin3.48%3.40%3.58%3.67%3.58%3.54%3.63%3.62%-6 bps
Efficiency Ratio76.14%82.57%77.64%73.62%73.97%74.70%69.50%69.22%-441 bps
Non-Interest Burden2.62%2.79%2.75%2.67%2.62%2.61%2.47%2.46%-21 bps
Growth
Asset Growth (YoY)5.68%3.04%5.95%8.82%4.78%9.38%10.69%2.03%-679 bps
Loan Growth (YoY)6.77%8.22%5.34%6.54%2.99%8.00%5.96%2.61%-393 bps
Deposit Growth (YoY)6.43%6.49%5.41%4.34%4.09%3.88%11.26%5.97%+163 bps
Asset Quality
Nonperforming Loans / Loans0.94%1.08%0.76%0.69%0.70%0.73%0.45%0.43%-26 bps
Net Charge-Offs / Loans-0.25%-0.19%0.01%0.00%0.02%-0.03%0.27%0.13%+12 bps
Allowance / Loans0.77%0.78%0.79%0.73%0.73%0.75%0.71%0.68%-5 bps
Allowance Coverage of NPLs0.8x0.7x1.0x1.1x1.1x1.0x1.6x1.6x+0.5x
Capital
Tier 1 Leverage Ratio12.52%12.36%12.13%12.08%11.83%11.75%11.78%11.78%-31 bps
Total Risk-Based Capital15.98%16.03%16.01%15.70%15.97%14.49%15.17%16.69%+99 bps
Equity / Assets11.53%11.41%11.28%11.03%11.54%11.39%10.87%11.50%+47 bps
Liquidity & Funding
Loans / Deposits88.95%86.23%80.05%87.49%88.02%89.66%76.24%84.71%-278 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a35.88%53.18%51.16%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 State Bank at Mohall, The

Mohall, ND · Cert 8632 · Peer group: banks under $1B in assets (n=581-629) · Jorgenson Holding Co.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (6 in holding)

Q2 2026

$80.2MAssets
$59.2MLoans
$69.9MDeposits
$9.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 65% of banks under $1B in assets (rank 223 of 629).
  • Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets (rank 522 of 581).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.93%

Rank 356 of 629

Net Interest Margin

3.62%

Rank 287 of 629

Efficiency Ratio

69.22%

Rank 337 of 629

Equity / Assets

11.50%

Rank 259 of 629

Non-interest income vs. expense

$0.1M$2.1MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 47% of banks under $1B in assets
Bank 69.22%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.93%0.60%1.01%1.45%Beats 43%356 / 629
Return on Equity8.07%5.38%9.30%13.28%Beats 41%373 / 629
Net Interest Margin3.62%3.03%3.54%4.05%Beats 54%287 / 629
Efficiency Ratio69.22%58.35%67.79%79.08%Beats 47%337 / 629
Asset Quality
Nonperforming Loans / Loans0.43%0.09%0.46%1.20%Beats 51%283 / 581
Net Charge-Offs / Loans0.15%n/a0.01%0.06%Beats 10%522 / 581
Capital
Tier 1 Capital Ratio16.01%11.24%13.84%18.77%Beats 65%223 / 629
Total Risk-Based Capital Ratio16.69%11.58%14.43%19.66%Beats 65%219 / 629
Equity / Assets11.50%9.09%10.65%13.80%Beats 59%259 / 629
Liquidity & Funding
Loans / Deposits84.71%67.24%80.90%93.48%57th pctl258 / 594
Loans / Assets73.81%53.31%67.71%78.15%63rd pctl234 / 629
Brokered Deposits / Depositsn/aNot reported for this institution