| Metric | Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | +6.5% | +4.0% | +2.6 pts |
| Loan growth (YoY) | +6.9% | +5.6% | +1.3 pts |
| ROA | 0.79% | 1.24% | -0.4 pts |
| ROE | 8.4% | 11.9% | -3.5 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $488.8M | $441.6M | $319.0M | $33.3M | $2.0M | 0.79% | 4.45% | 0.02% |
| Q1 2026 | $495.1M | $444.2M | $324.1M | $32.6M | $1.1M | 0.84% | 4.44% | 0.02% |
| Q4 2025 | $511.7M | $433.7M | $312.6M | $74.9M | $4.3M | 0.86% | 4.65% | 0.03% |
| Q3 2025 | $499.0M | $422.7M | $307.8M | $72.6M | $2.8M | 0.77% | 4.68% | 0.02% |
| Q2 2025 | $489.1M | $414.6M | $298.3M | $70.8M | $1.6M | 0.66% | 4.85% | 0.03% |
| Q1 2025 | $488.0M | $414.9M | $279.8M | $69.6M | $513K | 0.42% | 3.94% | 0.03% |
| Q4 2024 | $481.3M | $409.2M | $274.1M | $68.3M | $2.8M | 0.58% | 3.98% | 0.03% |
| Q3 2024 | $485.8M | $413.1M | $260.6M | $68.5M | $2.2M | 0.61% | 4.01% | 0.21% |
Loan mix (Q2 2026): real estate $295.1M · commercial $29.6M · consumer $2.3M · securities $52.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 1.24% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 11.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 62.9% | 80th |
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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