| Metric | Citizens 1st Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.9% | +2.3 pts |
| Deposit growth (YoY) | +7.9% | +4.3% | +3.6 pts |
| Loan growth (YoY) | +5.3% | +5.3% | -0.0 pts |
| ROA | 1.71% | 1.28% | +0.4 pts |
| ROE | 9.7% | 12.4% | -2.7 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $811.0M | $615.5M | $479.0M | $147.8M | $7.0M | 1.71% | 2.82% | 0.33% |
| Q1 2026 | $828.4M | $622.6M | $485.6M | $144.0M | $3.3M | 1.60% | 2.75% | 0.45% |
| Q4 2025 | $819.8M | $621.9M | $476.6M | $140.4M | $9.7M | 1.24% | 2.61% | 0.62% |
| Q3 2025 | $763.4M | $569.1M | $469.5M | $143.4M | $7.7M | 1.34% | 2.58% | 1.01% |
| Q2 2025 | $756.3M | $570.3M | $454.9M | $133.8M | $5.0M | 1.30% | 2.53% | 1.40% |
| Q1 2025 | $772.9M | $591.4M | $436.8M | $129.0M | $2.1M | 1.09% | 2.41% | 0.89% |
| Q4 2024 | $768.1M | $591.2M | $438.2M | $123.3M | $8.3M | 1.12% | 2.37% | 0.55% |
| Q3 2024 | $729.2M | $529.1M | $406.8M | $131.4M | $5.9M | 1.08% | 2.30% | 0.55% |
Loan mix (Q2 2026): real estate $461.1M · commercial $9.0M · consumer $5.4M · securities $284.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens 1st Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.28% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.4% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.4% | 61.2% | 3th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Citizens 1st Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Citizens 1st Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Citizens 1st Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Citizens 1st Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.