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Citizens State Bank of Milford

Milford, IL · Cert 931 · Arthur R Murray Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

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 IL (n=149 to 151). 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

8

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 of Milford

Milford, IL · Cert 931 · Arthur R Murray Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (2 in holding)

Q2 2026

$56.9MAssets
$22.4MLoans
$52.0MDeposits
$4.6MEquity
Loan mix
79%RE $11.6M16%C&I $2.4M5%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $38.9M25%Noninterest $13.1MQ2 2025Q2 2026

NIM

4.52%Q2 ’244.57%Q2 ’254.38%Q2 ’260%-7%

Non-interest income vs. expense

3.27%Q2 ’243.66%Q2 ’253.37%Q2 ’26+15%-8%

Executive Summary

  • Earnings: ROA of 0.37%, down 7 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.76% of loans (+57 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.11%, unchanged from a year ago.
  • Funding: loans stand at 42.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.74%-28 bps YoY

Efficiency Ratio (YTD, annualized)

85.68%-110 bps YoY

Tier 1 Leverage Ratio

9.11%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.32%0.39%0.27%0.37%-7 bps
Return on Equity6.42%4.58%5.33%3.45%4.62%-180 bps
Net Interest Margin4.03%4.02%3.81%3.61%3.74%-28 bps
Efficiency Ratio86.77%89.98%88.18%86.46%85.68%-110 bps
Non-Interest Burden3.47%3.60%3.33%3.10%3.18%-29 bps
Growth
Asset Growth (YoY)2.25%3.17%1.45%1.20%6.74%+449 bps
Loan Growth (YoY)-5.69%-8.31%5.77%-1.86%15.90%+2,158 bps
Deposit Growth (YoY)2.10%4.50%-0.04%-0.25%5.39%+330 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.25%0.36%0.16%0.76%+57 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.02%-0.02%-0.02%0 bps
Allowance / Loans0.62%0.57%0.49%0.54%0.56%-6 bps
Allowance Coverage of NPLs3.2x2.3x1.4x3.4x0.7x-2.5x
Capital
Tier 1 Leverage Ratio9.10%9.50%9.23%8.54%9.11%0 bps
Total Risk-Based Capital15.04%14.26%13.12%13.84%13.71%-133 bps
Equity / Assets6.88%7.81%7.92%7.85%8.00%+112 bps
Liquidity & Funding
Loans / Deposits39.06%41.19%46.19%41.89%42.96%+389 bps
Liquid Assets / Assets14.61%11.20%7.03%10.15%6.19%-842 bps
CRE / Total Capitaln/a10.61%50.68%50.28%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 of Milford

Milford, IL · Cert 931 · Peer group: banks under $1B in assets in IL (n=149-151) · Arthur R Murray Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (2 in holding)

Q2 2026

$56.9MAssets
$22.4MLoans
$52.0MDeposits
$4.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
  • Widest gap: efficiency ratio trails 92% of banks under $1B in assets in IL (rank 140 of 151).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.37%

Rank 135 of 151

Net Interest Margin

3.74%

Rank 43 of 151

Efficiency Ratio

85.68%

Rank 140 of 151

Equity / Assets

8.00%

Rank 132 of 151

Non-interest income vs. expense

$0.1M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 8% of banks under $1B in assets in IL
Bank 85.68%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.37%0.70%1.03%1.34%Beats 11%135 / 151
Return on Equity4.62%6.74%9.34%12.94%Beats 14%130 / 151
Net Interest Margin3.74%3.02%3.43%3.83%Beats 72%43 / 151
Efficiency Ratio85.68%54.64%64.89%72.50%Beats 8%140 / 151
Asset Quality
Nonperforming Loans / Loans0.76%0.20%0.66%1.77%Beats 48%79 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 149
Capital
Tier 1 Capital Ratio13.35%11.83%14.17%18.66%Beats 43%86 / 151
Total Risk-Based Capital Ratio13.71%12.22%14.54%19.92%Beats 42%87 / 151
Equity / Assets8.00%9.10%10.65%12.40%Beats 13%132 / 151
Liquidity & Funding
Loans / Deposits42.96%54.39%71.02%80.75%7th pctl138 / 149
Loans / Assets39.27%45.91%61.31%68.01%10th pctl136 / 151
Brokered Deposits / Depositsn/aNot reported for this institution