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Citizens Bank

Carthage, TN · Cert 893

State charter, non-member · FDIC · 7 branches

Q2 2026

$832.5MAssets
$467.1MLoans
$716.0MDeposits
$111.8MEquity
Loan mix
84%RE $379.0M9%C&I $41.2M7%Consumer $29.9MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $558.5M22%Noninterest $157.5MQ2 2025Q2 2026

NIM

4.85%Q2 ’245.08%Q2 ’255.22%Q2 ’26+18%+10%

Non-interest income vs. expense

1.00%Q2 ’241.03%Q2 ’251.03%Q2 ’26+8%-1%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.4% share · #30 of 62 inst. · $0.4B of $107.8B

58.2% Smith
31.4% White
2.2% Putnam

Executive Summary

  • Earnings: ROA of 2.05%, up 28 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.62% of loans (+5 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 16.29%, up 14 bps from a year ago.
  • Funding: loans stand at 65.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.05%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+32 bps YoY

Efficiency Ratio (YTD, annualized)

28.28%-278 bps YoY

Tier 1 Leverage Ratio

16.29%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.86%1.88%2.03%2.05%+28 bps
Return on Equity14.60%15.06%14.88%15.60%15.59%+99 bps
Net Interest Margin3.11%3.18%3.21%3.38%3.43%+32 bps
Efficiency Ratio31.06%30.16%34.03%28.32%28.28%-278 bps
Non-Interest Burden0.84%0.82%0.96%0.83%0.83%-1 bps
Growth
Asset Growth (YoY)1.53%3.72%5.73%4.58%4.02%+248 bps
Loan Growth (YoY)6.46%7.03%4.02%4.71%6.73%+27 bps
Deposit Growth (YoY)2.38%4.54%4.87%3.92%1.89%-49 bps
Asset Quality
Nonperforming Loans / Loans0.57%0.50%0.51%0.54%0.62%+5 bps
Net Charge-Offs / Loans0.03%0.01%0.03%0.01%0.01%-2 bps
Allowance / Loans1.18%1.18%1.20%1.23%1.23%+5 bps
Allowance Coverage of NPLs2.1x2.3x2.4x2.3x2.0x-0.1x
Capital
Tier 1 Leverage Ratio16.15%16.49%16.67%15.89%16.29%+14 bps
Total Risk-Based Capital16.15%16.49%16.67%15.89%16.29%+14 bps
Equity / Assets11.62%13.10%13.56%12.50%13.44%+181 bps
Liquidity & Funding
Loans / Deposits62.28%65.09%63.32%62.67%65.24%+296 bps
Liquid Assets / Assets3.75%1.89%3.41%3.93%1.55%-220 bps
CRE / Total Capitaln/a195.95%190.39%201%n/an/a