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Citizens Bank, The

Hickman, KY · Cert 9306 · Citizens Bcorp of Hickman Inc.

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 assets in KY3

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 in KY (n=69). 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

46

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

61

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, The

Hickman, KY · Cert 9306 · Citizens Bcorp of Hickman Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$220.4MAssets
$166.8MLoans
$193.7MDeposits
$25.5MEquity
Loan mix
85%RE $125.0M12%C&I $17.8M3%Consumer $3.8MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $154.5M20%Noninterest $39.2MQ2 2025Q2 2026

NIM

5.23%Q2 ’245.47%Q2 ’255.62%Q2 ’26+12%+12%

Non-interest income vs. expense

2.49%Q2 ’242.42%Q2 ’252.46%Q2 ’26+4%-2%

Executive Summary

  • Earnings: ROA of 1.36%, up 35 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.34% of loans (+28 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 12.67%, down 7 bps from a year ago.
  • Funding: loans stand at 86.10% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.36%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+41 bps YoY

Efficiency Ratio (YTD, annualized)

57.33%-763 bps YoY

Tier 1 Leverage Ratio

12.67%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.05%1.14%1.17%1.36%+35 bps
Return on Equity9.66%9.91%10.63%10.50%12.05%+239 bps
Net Interest Margin3.27%3.26%3.26%3.65%3.68%+41 bps
Efficiency Ratio64.97%64.58%62.41%60.52%57.33%-763 bps
Non-Interest Burden1.95%1.95%1.89%2.10%1.91%-4 bps
Growth
Asset Growth (YoY)9.74%7.18%12.26%9.36%2.78%-696 bps
Loan Growth (YoY)3.61%1.94%12.05%12.11%11.72%+811 bps
Deposit Growth (YoY)15.99%14.39%10.71%8.88%1.51%-1,448 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.08%0.14%0.35%0.34%+28 bps
Net Charge-Offs / Loans0.03%0.05%0.07%0.04%0.04%0 bps
Allowance / Loans1.23%1.20%1.09%1.07%1.02%-21 bps
Allowance Coverage of NPLs18.9x14.8x7.7x3.0x3.0x-16.0x
Capital
Tier 1 Leverage Ratio12.74%12.29%12.26%12.44%12.67%-7 bps
Total Risk-Based Capital12.74%12.29%12.26%12.44%12.67%-7 bps
Equity / Assets10.43%10.93%11.19%11.11%11.55%+112 bps
Liquidity & Funding
Loans / Deposits78.23%78.94%82.29%81.79%86.10%+787 bps
Liquid Assets / Assets0.13%0.13%0.13%0.13%0.16%+3 bps
CRE / Total Capitaln/a157.56%155.45%158.92%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, The

Hickman, KY · Cert 9306 · Peer group: banks under $1B in assets in KY (n=69) · Citizens Bcorp of Hickman Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$220.4MAssets
$166.8MLoans
$193.7MDeposits
$25.5MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 68% of banks under $1B in assets in KY (rank 22 of 69).
  • Widest gap: total risk-based capital ratio trails 67% of banks under $1B in assets in KY (rank 46 of 69).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.37%

Rank 22 of 69

Net Interest Margin

3.68%

Rank 37 of 69

Efficiency Ratio

58.34%

Rank 28 of 69

Equity / Assets

11.55%

Rank 23 of 69

Non-interest income vs. expense

$1.2M$5.5MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 61% of banks under $1B in assets in KY
Bank 58.34%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.37%0.83%1.18%1.44%Beats 68%22 / 69
Return on Equity11.84%7.64%11.70%15.70%Beats 51%34 / 69
Net Interest Margin3.68%3.45%3.75%3.96%Beats 46%37 / 69
Efficiency Ratio58.34%55.32%62.99%70.80%Beats 61%28 / 69
Asset Quality
Nonperforming Loans / Loans0.34%0.18%0.52%1.14%Beats 59%29 / 69
Net Charge-Offs / Loans0.03%0.01%0.02%0.06%Beats 45%39 / 69
Capital
Tier 1 Capital Ratio12.67%11.33%13.58%16.27%Beats 38%43 / 69
Total Risk-Based Capital Ratio12.67%11.55%14.43%17.27%Beats 33%46 / 69
Equity / Assets11.55%8.31%9.91%12.53%Beats 67%23 / 69
Liquidity & Funding
Loans / Deposits86.10%71.40%81.07%88.03%68th pctl22 / 69
Loans / Assets75.68%61.10%68.66%76.68%70th pctl21 / 69
Brokered Deposits / Depositsn/aNot reported for this institution