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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