| Metric | Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.9% | -0.8 pts |
| Deposit growth (YoY) | +3.6% | +4.3% | -0.7 pts |
| Loan growth (YoY) | +4.2% | +5.3% | -1.2 pts |
| ROA | 0.98% | 1.28% | -0.3 pts |
| ROE | 10.5% | 12.4% | -1.9 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $690.6M | $622.8M | $461.8M | $65.0M | $3.4M | 0.98% | 3.49% | 0.06% |
| Q1 2026 | $699.7M | $634.5M | $451.5M | $63.2M | $1.7M | 0.98% | 3.39% | 0.03% |
| Q4 2025 | $696.3M | $627.4M | $454.1M | $66.2M | $6.8M | 1.01% | 3.44% | 0.02% |
| Q3 2025 | $698.2M | $632.0M | $447.4M | $64.0M | $5.1M | 1.03% | 3.42% | 0.01% |
| Q2 2025 | $663.3M | $601.1M | $443.3M | $60.1M | $3.5M | 1.08% | 3.45% | 0.01% |
| Q1 2025 | $657.0M | $596.6M | $436.6M | $58.4M | $2.1M | 1.29% | 3.47% | 0.01% |
| Q4 2024 | $643.4M | $584.0M | $429.2M | $56.6M | $3.8M | 0.59% | 3.07% | 0.02% |
| Q3 2024 | $643.4M | $574.0M | $422.1M | $59.8M | $3.0M | 0.61% | 3.00% | 0.02% |
Loan mix (Q2 2026): real estate $333.4M · commercial $24.1M · consumer $108.8M · securities $184.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.28% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 12.4% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 61.2% | 76th |
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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