| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +5.5% | +0.7 pts |
| Deposit growth (YoY) | +5.1% | +5.1% | +0.1 pts |
| Loan growth (YoY) | +5.6% | +5.9% | -0.3 pts |
| ROA | 1.43% | 1.26% | +0.2 pts |
| ROE | 36.2% | 12.2% | +24.0 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.48B | $1.40B | $874.4M | $60.8M | $10.5M | 1.43% | 3.25% | 0.21% |
| Q1 2026 | $1.48B | $1.40B | $843.1M | $57.8M | $5.3M | 1.46% | 3.22% | 0.22% |
| Q4 2025 | $1.45B | $1.37B | $848.9M | $55.4M | $14.5M | 1.03% | 3.13% | 0.29% |
| Q3 2025 | $1.45B | $1.38B | $828.3M | $50.2M | $11.1M | 1.06% | 3.11% | 0.18% |
| Q2 2025 | $1.39B | $1.33B | $827.7M | $41.6M | $6.8M | 0.99% | 3.10% | 0.52% |
| Q1 2025 | $1.40B | $1.33B | $790.1M | $35.8M | $3.4M | 0.99% | 3.03% | 0.86% |
| Q4 2024 | $1.35B | $1.30B | $776.0M | $24.2M | $9.1M | 0.68% | 2.56% | 0.93% |
| Q3 2024 | $1.36B | $1.28B | $756.5M | $35.6M | $6.0M | 0.59% | 2.49% | 1.02% |
Loan mix (Q2 2026): real estate $661.8M · commercial $98.1M · consumer $104.5M · securities $496.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.26% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 36.2% | 12.2% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 59.0% | 70th |
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 and Trust | 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 and Trust | 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 and Trust | 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 and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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