| Metric | Citizens' Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.4% | -2.7 pts |
| Deposit growth (YoY) | -0.2% | +4.0% | -4.2 pts |
| Loan growth (YoY) | +6.3% | +5.6% | +0.7 pts |
| ROA | 1.16% | 1.24% | -0.1 pts |
| ROE | 12.6% | 11.9% | +0.7 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $158.9M | $143.1M | $84.6M | $15.0M | $915K | 1.16% | 3.79% | 0.07% |
| Q1 2026 | $158.6M | $143.7M | $83.0M | $14.3M | $397K | 1.01% | 3.65% | 0.13% |
| Q4 2025 | $156.0M | $139.9M | $85.6M | $14.4M | $1.4M | 0.91% | 3.49% | 0.17% |
| Q3 2025 | $159.3M | $141.2M | $82.5M | $13.6M | $922K | 0.79% | 3.43% | 0.10% |
| Q2 2025 | $156.3M | $143.4M | $79.6M | $12.3M | $545K | 0.71% | 3.33% | 0.15% |
| Q1 2025 | $155.9M | $143.0M | $80.9M | $12.3M | $290K | 0.75% | 3.27% | 0.10% |
| Q4 2024 | $151.4M | $139.4M | $78.2M | $11.5M | $745K | 0.49% | 2.97% | 0.11% |
| Q3 2024 | $149.3M | $136.5M | $76.5M | $12.2M | $435K | 0.38% | 2.92% | 0.13% |
Loan mix (Q2 2026): real estate $67.4M · commercial $9.2M · consumer $5.2M · securities $61.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens' Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
41th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 62.9% | 59th |
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, Inc. | 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, Inc. | 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, Inc. | 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, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.