Citizens Bank and Trust Company
Total assets
$577.6M
▲ +2.8% YoY
Deposits
$485.5M
▲ +1.5% YoY
Loans
$284.8M
▲ +4.9% YoY
Offices
12
CITIZENS BCORP OF VIRGINIA INC
ROA (annualized)
2.11%
peers 1.28%
ROE (annualized)
15.05%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.9% | -2.1 pts |
| Deposit growth (YoY) | +1.5% | +4.3% | -2.8 pts |
| Loan growth (YoY) | +5.0% | +5.3% | -0.4 pts |
| ROA | 2.11% | 1.28% | +0.8 pts |
| ROE | 15.1% | 12.4% | +2.6 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
Profile
- Established
- 1873
- Charter
- State
- Primary regulator
- FED
- Holding company
- CITIZENS BCORP OF VIRGINIA INC
- Specialization
- All Other Under 1 Billion
- Address
- 126 S Main St, Blackstone, VA, 23824
- County
- Nottoway
- Offices
- 12
- FDIC cert #
- 823
- RSSD ID
- 991621
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $577.6M | $485.5M | $284.8M | $83.0M | $6.1M | 2.11% | 4.55% | 0.16% |
| Q1 2026 | $583.3M | $493.0M | $280.2M | $80.6M | $2.7M | 1.89% | 4.43% | 0.16% |
| Q4 2025 | $578.4M | $487.6M | $276.4M | $79.6M | $10.2M | 1.80% | 4.31% | 0.17% |
| Q3 2025 | $568.8M | $480.2M | $272.7M | $76.8M | $7.8M | 1.84% | 4.26% | 0.15% |
| Q2 2025 | $561.6M | $478.3M | $271.4M | $73.1M | $5.1M | 1.83% | 4.18% | 0.14% |
| Q1 2025 | $566.5M | $484.2M | $266.3M | $70.4M | $2.5M | 1.78% | 4.08% | 0.21% |
| Q4 2024 | $552.5M | $472.5M | $266.4M | $66.2M | $9.1M | 1.64% | 4.00% | 0.18% |
| Q3 2024 | $545.3M | $467.0M | $263.9M | $67.9M | $6.9M | 1.67% | 3.97% | 0.16% |
Loan mix (Q2 2026): real estate $264.8M · commercial $15.1M · consumer $8.5M · securities $211.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.11% | 1.28% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 12.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.89% | 85th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.9% | 61.2% | 13th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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