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Letter portraitLegal landscapeQuarterYTD

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 $5.2MQ3 2024Q2 2026
Deposit mix
65%Interest-bearing $40.1M35%Noninterest $21.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.14%, up 33 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 1.58% of loans (+139 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

1.14%+33 bps YoY

Net Interest Margin (quarter, annualized)

4.47%+7 bps YoY

Efficiency Ratio (quarter, annualized)

71.33%+446 bps YoY

Tier 1 Leverage Ratio

10.13%+1 bps YoY

NIM

5.80%Q2 ’246.05%Q2 ’256.00%Q2 ’26+3%+2%

Non-interest income vs. expense

3.34%Q2 ’243.17%Q2 ’253.30%Q2 ’26-6%+11%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.53%1.00%0.80%1.38%0.97%0.67%1.14%+33 bps
Return on Equity11.54%6.96%13.69%10.79%17.45%11.36%8.22%13.79%+300 bps
Net Interest Margin3.80%4.21%4.36%4.40%4.73%4.53%4.30%4.47%+7 bps
Efficiency Ratio74.50%85.68%70.39%66.87%63.70%75.70%62.80%71.33%+446 bps
Non-Interest Burden2.75%3.56%2.97%2.84%2.93%3.34%2.62%3.15%+31 bps
Growth
Asset Growth (YoY)9.94%5.58%9.24%8.04%4.89%6.95%14.31%4.47%-356 bps
Loan Growth (YoY)16.98%13.70%14.15%14.60%9.95%10.01%11.86%6.78%-782 bps
Deposit Growth (YoY)12.18%15.07%7.76%13.44%11.49%8.98%13.51%10.39%-305 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.53%0.17%0.20%0.53%1.48%1.11%1.58%+139 bps
Net Charge-Offs / Loans0.00%0.02%0.00%0.40%-0.22%0.02%0.49%0.00%-40 bps
Allowance / Loans0.59%0.57%0.57%0.64%0.69%0.67%0.77%0.78%+14 bps
Allowance Coverage of NPLs90.0x1.1x3.4x3.3x1.3x0.5x0.7x0.5x-2.8x
Capital
Tier 1 Leverage Ratio9.98%10.13%10.23%10.12%10.52%10.41%9.57%10.13%+1 bps
Total Risk-Based Capital9.98%10.13%10.23%10.12%10.52%10.41%9.57%10.13%+1 bps
Equity / Assets7.94%7.31%7.37%7.51%8.35%8.72%7.72%8.81%+130 bps
Liquidity & Funding
Loans / Deposits87.22%83.07%83.16%89.15%86.01%83.86%81.95%86.24%-291 bps
Liquid Assets / Assets0.27%0.19%0.29%0.58%0.67%0.26%0.19%0.18%-40 bps
CRE / Total Capitaln/an/an/an/a60.82%62.51%60.35%n/an/a