| Metric | Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.9% | -0.9 pts |
| Deposit growth (YoY) | +1.9% | +4.3% | -2.4 pts |
| Loan growth (YoY) | +6.7% | +5.3% | +1.3 pts |
| ROA | 2.05% | 1.28% | +0.8 pts |
| ROE | 15.6% | 12.4% | +3.2 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $832.5M | $716.0M | $461.4M | $111.8M | $8.5M | 2.05% | 3.69% | 0.35% |
| Q1 2026 | $834.4M | $724.4M | $448.4M | $104.3M | $4.2M | 2.03% | 3.62% | 0.29% |
| Q4 2025 | $831.2M | $713.4M | $446.3M | $112.7M | $15.1M | 1.88% | 3.54% | 0.28% |
| Q3 2025 | $812.0M | $700.6M | $450.6M | $106.4M | $11.2M | 1.86% | 3.48% | 0.28% |
| Q2 2025 | $800.3M | $702.7M | $432.5M | $93.0M | $7.0M | 1.77% | 3.40% | 0.31% |
| Q1 2025 | $797.8M | $697.0M | $428.6M | $95.7M | $3.2M | 1.64% | 3.14% | 0.32% |
| Q4 2024 | $786.1M | $680.3M | $429.4M | $100.3M | $11.6M | 1.49% | 2.88% | 0.24% |
| Q3 2024 | $782.9M | $670.1M | $421.2M | $106.9M | $8.6M | 1.48% | 2.80% | 0.24% |
Loan mix (Q2 2026): real estate $393.1M · commercial $39.8M · consumer $30.2M · securities $329.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 1.28% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 12.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 28.3% | 61.2% | 1th |
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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