| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.9% | -2.2 pts |
| Deposit growth (YoY) | +1.1% | +4.3% | -3.2 pts |
| Loan growth (YoY) | +3.4% | +5.3% | -2.0 pts |
| ROA | 0.85% | 1.28% | -0.4 pts |
| ROE | 9.4% | 12.4% | -3.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $596.0M | $498.7M | $401.6M | $53.9M | $2.5M | 0.85% | 3.17% | 0.01% |
| Q1 2026 | $590.0M | $506.5M | $396.4M | $53.8M | $1.2M | 0.80% | 3.11% | 0.02% |
| Q4 2025 | $596.2M | $509.6M | $405.5M | $52.5M | $2.9M | 0.50% | 2.83% | 0.02% |
| Q3 2025 | $599.6M | $502.6M | $400.0M | $52.2M | $2.1M | 0.48% | 2.78% | 0.03% |
| Q2 2025 | $580.3M | $493.3M | $388.4M | $49.6M | $1.1M | 0.38% | 2.74% | 0.05% |
| Q1 2025 | $577.1M | $501.9M | $382.7M | $48.6M | $630K | 0.44% | 2.69% | 0.06% |
| Q4 2024 | $570.7M | $481.9M | $391.2M | $46.4M | $1.7M | 0.30% | 2.53% | 0.07% |
| Q3 2024 | $566.0M | $478.0M | $382.2M | $48.8M | $1.3M | 0.29% | 2.49% | 0.09% |
Loan mix (Q2 2026): real estate $302.7M · commercial $24.7M · consumer $5.0M · securities $156.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Bank Minnesota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.28% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 12.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 61.2% | 67th |
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 Minnesota | 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 Minnesota | 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 Minnesota | 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 Minnesota | 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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