| Metric | Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.5% | -0.7 pts |
| Deposit growth (YoY) | +5.8% | +5.1% | +0.7 pts |
| Loan growth (YoY) | +4.8% | +5.9% | -1.1 pts |
| ROA | 1.39% | 1.26% | +0.1 pts |
| ROE | 10.8% | 12.2% | -1.4 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.17B | $996.0M | $749.6M | $152.5M | $8.2M | 1.39% | 3.84% | 0.20% |
| Q1 2026 | $1.17B | $992.8M | $770.5M | $149.4M | $3.7M | 1.26% | 3.73% | 0.25% |
| Q4 2025 | $1.18B | $993.3M | $743.7M | $151.0M | $15.5M | 1.38% | 3.63% | 0.22% |
| Q3 2025 | $1.15B | $968.5M | $712.5M | $146.9M | $10.8M | 1.30% | 3.57% | 0.24% |
| Q2 2025 | $1.11B | $941.7M | $715.1M | $140.4M | $6.7M | 1.21% | 3.53% | 0.24% |
| Q1 2025 | $1.11B | $961.2M | $708.8M | $137.2M | $2.3M | 0.85% | 3.30% | 0.27% |
| Q4 2024 | $1.08B | $931.9M | $705.1M | $132.6M | $12.6M | 1.18% | 3.34% | 1.59% |
| Q3 2024 | $1.07B | $916.1M | $709.4M | $134.2M | $8.6M | 1.07% | 3.27% | 1.66% |
Loan mix (Q2 2026): real estate $666.2M · commercial $80.5M · consumer $537K · securities $313.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.26% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.2% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.8% | 59.0% | 37th |
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% |
The full ratio pack is part of CharterBench Pro.