| Metric | Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.9% | -6.0 pts |
| Deposit growth (YoY) | -3.0% | +4.3% | -7.4 pts |
| Loan growth (YoY) | +5.1% | +5.3% | -0.3 pts |
| ROA | 0.18% | 1.28% | -1.1 pts |
| ROE | 1.7% | 12.4% | -10.8 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $823.4M | $702.5M | $383.1M | $87.2M | $729K | 0.18% | 3.50% | 0.02% |
| Q1 2026 | $810.4M | $686.2M | $361.6M | $86.7M | $619K | 0.30% | 3.50% | 0.02% |
| Q4 2025 | $831.7M | $705.7M | $358.2M | $87.5M | $2.5M | 0.31% | 3.59% | 0.11% |
| Q3 2025 | $846.2M | $716.0M | $356.4M | $86.3M | $1.5M | 0.25% | 3.56% | 0.12% |
| Q2 2025 | $832.8M | $724.5M | $364.5M | $80.2M | $1.1M | 0.27% | 3.59% | 0.24% |
| Q1 2025 | $798.5M | $692.5M | $367.0M | $79.2M | $530K | 0.26% | 3.65% | 0.03% |
| Q4 2024 | $807.3M | $707.1M | $370.1M | $73.3M | $3.4M | 0.37% | 3.26% | 0.03% |
| Q3 2024 | $831.7M | $718.7M | $372.4M | $82.8M | $2.6M | 0.36% | 3.15% | 0.04% |
Loan mix (Q2 2026): real estate $302.6M · commercial $35.8M · consumer $1.5M · securities $307.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 1.28% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 12.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 61.2% | 95th |
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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