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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 $2.4MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $53.9M23%Noninterest $16.0MQ2 2025Q2 2026

NIM

5.06%Q2 ’245.18%Q2 ’255.13%Q2 ’26+7%-4%

Non-interest income vs. expense

2.83%Q2 ’242.69%Q2 ’252.54%Q2 ’26-3%-6%

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 0.93%, up 3 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.43% of loans (-26 bps YoY), with net recoveries of 0.01%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.93%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.61%-16 bps YoY

Efficiency Ratio (quarter, annualized)

68.92%-84 bps YoY

Tier 1 Leverage Ratio

11.78%-31 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.74%0.67%0.89%0.93%+3 bps
Return on Equity8.06%6.58%5.87%8.02%8.28%+21 bps
Net Interest Margin3.77%3.64%3.56%3.63%3.61%-16 bps
Efficiency Ratio69.77%74.66%76.84%69.50%68.92%-84 bps
Non-Interest Burden2.61%2.69%2.71%2.47%2.46%-14 bps
Growth
Asset Growth (YoY)8.82%4.78%9.38%10.69%2.03%-679 bps
Loan Growth (YoY)6.54%2.99%8.00%5.96%2.61%-393 bps
Deposit Growth (YoY)4.34%4.09%3.88%11.26%5.97%+163 bps
Asset Quality
Nonperforming Loans / Loans0.69%0.70%0.73%0.45%0.43%-26 bps
Net Charge-Offs / Loans0.00%0.06%-0.19%0.27%-0.01%-1 bps
Allowance / Loans0.73%0.73%0.75%0.71%0.68%-5 bps
Allowance Coverage of NPLs1.1x1.1x1.0x1.6x1.6x+0.5x
Capital
Tier 1 Leverage Ratio12.08%11.83%11.75%11.78%11.78%-31 bps
Total Risk-Based Capital15.70%15.97%14.49%15.17%16.69%+99 bps
Equity / Assets11.03%11.54%11.39%10.87%11.50%+47 bps
Liquidity & Funding
Loans / Deposits87.49%88.02%89.66%76.24%84.71%-278 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a35.88%53.18%51.16%n/an/a