| Metric | Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.4% | -4.2 pts |
| Deposit growth (YoY) | +0.9% | +4.0% | -3.1 pts |
| Loan growth (YoY) | +6.6% | +5.6% | +1.0 pts |
| ROA | 2.43% | 1.24% | +1.2 pts |
| ROE | 30.5% | 11.9% | +18.7 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $188.1M | $171.1M | $168.6M | $14.8M | $2.3M | 2.43% | 6.53% | 0.21% |
| Q1 2026 | $194.5M | $178.9M | $166.0M | $15.0M | $1.1M | 2.34% | 6.35% | 0.14% |
| Q4 2025 | $183.8M | $165.1M | $162.1M | $15.3M | $5.3M | 2.81% | 6.76% | 0.12% |
| Q3 2025 | $187.8M | $170.0M | $160.1M | $17.0M | $4.0M | 2.83% | 6.73% | 0.16% |
| Q2 2025 | $187.7M | $169.6M | $158.1M | $17.5M | $2.7M | 2.86% | 6.72% | 0.30% |
| Q1 2025 | $193.0M | $174.9M | $156.9M | $17.5M | $1.4M | 2.86% | 6.71% | 0.31% |
| Q4 2024 | $185.4M | $166.9M | $151.4M | $17.8M | $5.4M | 2.87% | 6.52% | 0.24% |
| Q3 2024 | $188.5M | $169.1M | $152.5M | $17.8M | $3.9M | 2.76% | 6.41% | 0.43% |
Loan mix (Q2 2026): real estate $152.8M · commercial $7.3M · consumer $3.8M · securities $2.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.43% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 30.5% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.53% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 62.9% | 41th |
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 |
|---|---|---|---|---|
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% |
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