| Metric | Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +5.5% | +2.0 pts |
| Deposit growth (YoY) | +6.6% | +5.1% | +1.6 pts |
| Loan growth (YoY) | +9.9% | +5.9% | +4.0 pts |
| ROA | 1.94% | 1.26% | +0.7 pts |
| ROE | 15.3% | 12.2% | +3.1 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.42B | $1.19B | $1.13B | $181.7M | $13.5M | 1.94% | 4.45% | 0.92% |
| Q1 2026 | $1.40B | $1.16B | $1.11B | $175.4M | $6.3M | 1.83% | 4.35% | 0.84% |
| Q4 2025 | $1.35B | $1.14B | $1.05B | $173.3M | $24.1M | 1.83% | 4.25% | 0.70% |
| Q3 2025 | $1.34B | $1.15B | $1.05B | $175.3M | $17.0M | 1.73% | 4.17% | 0.65% |
| Q2 2025 | $1.32B | $1.12B | $1.03B | $172.0M | $10.3M | 1.58% | 4.08% | 0.65% |
| Q1 2025 | $1.31B | $1.11B | $1.00B | $171.3M | $5.1M | 1.60% | 3.98% | 0.51% |
| Q4 2024 | $1.27B | $1.08B | $987.8M | $169.6M | $21.3M | 1.72% | 4.15% | 0.58% |
| Q3 2024 | $1.23B | $1.04B | $1.00B | $171.3M | $16.6M | 1.80% | 4.13% | 0.51% |
Loan mix (Q2 2026): real estate $1.04B · commercial $74.1M · consumer $18.3M · securities $206.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 1.26% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 12.2% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.8% | 59.0% | 40th |
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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