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Letter portraitLegal landscapeQuarterYTD

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

4.44%Q2 ’244.37%Q2 ’254.34%Q2 ’260%-3%

Non-interest income vs. expense

3.25%Q2 ’243.62%Q2 ’253.30%Q2 ’26+12%-10%

Executive Summary

  • Earnings: ROA of 0.46%, up 18 bps year over year; NIM at 3.69%.
  • 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 (quarter, annualized)

0.46%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.69%-11 bps YoY

Efficiency Ratio (quarter, annualized)

84.88%-625 bps YoY

Tier 1 Leverage Ratio

9.11%0 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.09%0.57%0.27%0.46%+18 bps
Return on Equity4.14%1.27%7.29%3.45%5.80%+166 bps
Net Interest Margin3.80%3.69%3.75%3.61%3.69%-11 bps
Efficiency Ratio91.12%97.00%83.08%86.46%84.88%-625 bps
Non-Interest Burden3.45%3.57%3.02%3.10%3.11%-35 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-0.04%0.00%-0.03%-0.02%-0.02%+2 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