| Metric | Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.4% | -1.2 pts |
| Deposit growth (YoY) | +4.4% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +5.9% | +5.6% | +0.3 pts |
| ROA | 1.57% | 1.24% | +0.3 pts |
| ROE | 19.6% | 11.9% | +7.7 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $250.4M | $221.6M | $213.0M | $20.8M | $2.0M | 1.57% | 4.16% | 1.12% |
| Q1 2026 | $253.3M | $220.4M | $215.6M | $20.0M | $978K | 1.55% | 4.11% | 1.10% |
| Q4 2025 | $251.5M | $220.0M | $212.5M | $19.5M | $3.3M | 1.35% | 4.10% | 1.01% |
| Q3 2025 | $246.3M | $213.0M | $208.7M | $19.5M | $2.5M | 1.35% | 4.06% | 1.11% |
| Q2 2025 | $242.7M | $212.2M | $201.1M | $18.8M | $1.6M | 1.33% | 4.02% | 0.99% |
| Q1 2025 | $237.1M | $211.0M | $194.4M | $18.3M | $810K | 1.34% | 3.97% | 0.94% |
| Q4 2024 | $246.3M | $219.3M | $196.2M | $17.6M | $2.3M | 1.03% | 3.69% | 0.85% |
| Q3 2024 | $235.9M | $206.7M | $186.8M | $17.9M | $1.5M | 0.94% | 3.63% | 0.88% |
Loan mix (Q2 2026): real estate $183.4M · commercial $17.7M · consumer $9.9M · securities $13.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.7% | 62.9% | 55th |
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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