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Citizens State Bank of Lankin

Lankin, ND · Cert 9422 · Citizens State Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

15

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

52

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 Lankin

Lankin, ND · Cert 9422 · Citizens State Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$72.1MAssets
$53.0MLoans
$61.4MDeposits
$6.4MEquity
Loan mix
73%RE $28.2M14%C&I $5.3M13%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $40.1M35%Noninterest $21.4MQ2 2025Q2 2026

NIM

5.70%Q2 ’245.90%Q2 ’255.95%Q2 ’26+5%+3%

Non-interest income vs. expense

3.47%Q2 ’243.17%Q2 ’253.10%Q2 ’26-10%+2%

Executive Summary

  • Earnings: ROA of 0.92%, up 2 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 1.58% of loans (+139 bps YoY), with net charge-offs at 0.24%.
  • Capital: tier 1 leverage ratio of 10.13%, up 1 bps from a year ago.
  • Funding: loans stand at 86.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.44%+13 bps YoY

Efficiency Ratio (YTD, annualized)

67.06%-152 bps YoY

Tier 1 Leverage Ratio

10.13%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%1.06%1.04%0.67%0.92%+2 bps
Return on Equity12.17%13.92%13.25%8.22%10.90%-127 bps
Net Interest Margin4.30%4.44%4.33%4.30%4.44%+13 bps
Efficiency Ratio68.59%66.88%69.22%62.80%67.06%-152 bps
Non-Interest Burden2.85%2.87%2.91%2.62%2.91%+6 bps
Growth
Asset Growth (YoY)8.04%4.89%6.95%14.31%4.47%-356 bps
Loan Growth (YoY)14.60%9.95%10.01%11.86%6.78%-782 bps
Deposit Growth (YoY)13.44%11.49%8.98%13.51%10.39%-305 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.53%1.48%1.11%1.58%+139 bps
Net Charge-Offs / Loans0.20%0.06%0.05%0.49%0.24%+4 bps
Allowance / Loans0.64%0.69%0.67%0.77%0.78%+14 bps
Allowance Coverage of NPLs3.3x1.3x0.5x0.7x0.5x-2.8x
Capital
Tier 1 Leverage Ratio10.12%10.52%10.41%9.57%10.13%+1 bps
Total Risk-Based Capital10.12%10.52%10.41%9.57%10.13%+1 bps
Equity / Assets7.51%8.35%8.72%7.72%8.81%+130 bps
Liquidity & Funding
Loans / Deposits89.15%86.01%83.86%81.95%86.24%-291 bps
Liquid Assets / Assets0.58%0.67%0.26%0.19%0.18%-40 bps
CRE / Total Capitaln/a60.82%62.51%60.35%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 Lankin

Lankin, ND · Cert 9422 · Peer group: banks under $1B in assets (n=581-629) · Citizens State Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$72.1MAssets
$53.0MLoans
$61.4MDeposits
$6.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of banks under $1B in assets (rank 76 of 629).
  • Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets (rank 556 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.94%

Rank 352 of 629

Net Interest Margin

4.44%

Rank 76 of 629

Efficiency Ratio

67.06%

Rank 303 of 629

Equity / Assets

8.81%

Rank 497 of 629

Non-interest income vs. expense

$0.1M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 52% of banks under $1B in assets
Bank 67.06%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.94%0.60%1.01%1.45%Beats 44%352 / 629
Return on Equity10.63%5.38%9.30%13.28%Beats 58%266 / 629
Net Interest Margin4.44%3.03%3.54%4.05%Beats 88%76 / 629
Efficiency Ratio67.06%58.35%67.79%79.08%Beats 52%303 / 629
Asset Quality
Nonperforming Loans / Loans1.58%0.09%0.46%1.20%Beats 18%480 / 581
Net Charge-Offs / Loans0.12%n/a0.01%0.06%Beats 15%497 / 581
Capital
Tier 1 Capital Ratio10.13%11.24%13.84%18.77%Beats 13%549 / 629
Total Risk-Based Capital Ratio10.13%11.58%14.43%19.66%Beats 12%556 / 629
Equity / Assets8.81%9.09%10.65%13.80%Beats 21%497 / 629
Liquidity & Funding
Loans / Deposits86.24%67.24%80.90%93.48%61st pctl230 / 594
Loans / Assets73.46%53.31%67.71%78.15%62nd pctl237 / 629
Brokered Deposits / Depositsn/aNot reported for this institution