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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 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.65%1.00%0.90%1.06%1.04%0.67%0.92%+2 bps
Return on Equity9.04%8.60%13.69%12.17%13.92%13.25%8.22%10.90%-127 bps
Net Interest Margin3.78%3.88%4.36%4.30%4.44%4.33%4.30%4.44%+13 bps
Efficiency Ratio77.37%79.63%70.39%68.59%66.88%69.22%62.80%67.06%-152 bps
Non-Interest Burden2.86%3.03%2.97%2.85%2.87%2.91%2.62%2.91%+6 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%0.00%0.00%0.20%0.06%0.05%0.49%0.24%+4 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