| Metric | Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.9% | +4.4% | +9.5 pts |
| Deposit growth (YoY) | +15.1% | +4.0% | +11.2 pts |
| Loan growth (YoY) | -3.2% | +5.6% | -8.7 pts |
| ROA | 2.27% | 1.24% | +1.0 pts |
| ROE | 23.2% | 11.9% | +11.3 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $309.8M | $273.4M | $173.5M | $30.5M | $3.5M | 2.27% | 4.14% | 0.01% |
| Q1 2026 | $304.0M | $268.2M | $183.1M | $29.8M | $1.6M | 2.17% | 4.08% | 0.00% |
| Q4 2025 | $302.8M | $268.5M | $176.8M | $29.5M | $7.0M | 2.53% | 4.64% | 0.00% |
| Q3 2025 | $294.7M | $260.3M | $182.9M | $28.7M | $5.2M | 2.56% | 4.71% | 0.00% |
| Q2 2025 | $272.0M | $237.5M | $179.2M | $27.6M | $3.4M | 2.55% | 4.75% | 0.00% |
| Q1 2025 | $261.5M | $227.5M | $165.4M | $26.9M | $1.6M | 2.47% | 4.77% | 0.00% |
| Q4 2024 | $256.2M | $225.5M | $163.4M | $25.8M | $7.0M | 2.86% | 5.12% | 0.04% |
| Q3 2024 | $247.0M | $214.4M | $171.4M | $25.7M | $5.3M | 2.94% | 5.19% | 0.07% |
Loan mix (Q2 2026): real estate $64.2M · commercial $12.5M · consumer $419K · securities $38.5M
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.27% | 1.24% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 23.2% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.5% | 62.9% | 7th |
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 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 Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Citizens 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 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 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.
4 branches in 4 counties across 2 states (+0 vs 2024) · $237.5M branch deposits. Biggest market: Quay, NM, ranked 1st with 29.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Quay, NM | 1 | $92.6M | 29.61% | 1st |
| Randall, TX | 1 | $64.5M | 1.81% | 10th |
| Swisher, TX | 1 | $41.6M | 20.30% | 3rd |
| 1 more county with Pro → | ||||
Texas: 449th with 0.01% · New Mexico: 67th with 0.15% · Amarillo metro: 14th, 0.86% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4