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Citizens Bank & Trust Company

Van Buren, AR · Cert 8738 · First Bank Corp.

State charter, Fed member · FED · 1 affiliate bank · 9 branches (35 in holding)

Q2 2026

$566.4MAssets
$310.8MLoans
$503.2MDeposits
$61.1MEquity
Loan mix
87%RE $272.6M7%C&I $21.2M7%Consumer $21.1MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $377.8M25%Noninterest $125.4MQ2 2025Q2 2026

NIM

4.89%Q2 ’245.14%Q2 ’255.16%Q2 ’26+5%+5%

Non-interest income vs. expense

1.94%Q2 ’242.01%Q2 ’252.00%Q2 ’26+3%+4%

Market Position · Fort Smith, AR-OK · 2026 SOD (annual) · 8.4% share · #4 of 20 inst. · $0.5B of $6.0B

Executive Summary

  • Earnings: ROA of 1.57%, up 3 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.20% of loans (-15 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 11.78%, up 2 bps from a year ago.
  • Funding: loans stand at 61.77% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.57%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.73%+19 bps YoY

Efficiency Ratio (quarter, annualized)

47.60%-163 bps YoY

Tier 1 Leverage Ratio

11.78%+2 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.44%1.55%1.53%1.57%+3 bps
Return on Equity14.40%13.10%13.85%13.93%14.41%+1 bps
Net Interest Margin3.53%3.59%3.63%3.53%3.73%+19 bps
Efficiency Ratio49.23%51.13%48.90%47.78%47.60%-163 bps
Non-Interest Burden1.46%1.59%1.52%1.41%1.52%+6 bps
Growth
Asset Growth (YoY)1.11%1.93%3.55%4.40%4.54%+343 bps
Loan Growth (YoY)9.66%10.00%2.06%2.51%-1.21%-1,087 bps
Deposit Growth (YoY)0.47%1.49%2.64%4.00%4.34%+387 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.36%0.24%0.28%0.20%-15 bps
Net Charge-Offs / Loans0.03%-0.03%0.07%-0.02%0.23%+20 bps
Allowance / Loans1.39%1.44%1.44%1.47%1.51%+11 bps
Allowance Coverage of NPLs4.0x4.0x6.0x5.2x7.5x+3.6x
Capital
Tier 1 Leverage Ratio11.76%12.27%11.83%11.99%11.78%+2 bps
Total Risk-Based Capital11.76%12.27%11.83%11.99%11.78%+2 bps
Equity / Assets10.61%11.34%11.00%11.02%10.78%+18 bps
Liquidity & Funding
Loans / Deposits65.24%65.95%63.88%63.50%61.77%-347 bps
Liquid Assets / Assets14.73%14.07%14.90%16.76%17.32%+259 bps
CRE / Total Capitaln/a256%255%250%n/an/a