| Metric | Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.4% | -2.9 pts |
| Deposit growth (YoY) | +0.5% | +4.0% | -3.5 pts |
| Loan growth (YoY) | -2.7% | +5.6% | -8.3 pts |
| ROA | 1.33% | 1.24% | +0.1 pts |
| ROE | 10.2% | 11.9% | -1.7 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $357.4M | $305.4M | $308.9M | $47.8M | $2.4M | 1.33% | 4.19% | 2.59% |
| Q1 2026 | $362.4M | $311.1M | $311.1M | $46.8M | $1.2M | 1.32% | 4.14% | 2.06% |
| Q4 2025 | $350.2M | $300.4M | $313.0M | $45.9M | $3.9M | 1.14% | 4.22% | 2.12% |
| Q3 2025 | $363.9M | $314.5M | $318.0M | $45.0M | $3.0M | 1.14% | 4.17% | 1.99% |
| Q2 2025 | $352.1M | $303.9M | $317.6M | $43.9M | $1.9M | 1.12% | 4.15% | 2.06% |
| Q1 2025 | $336.7M | $289.5M | $298.2M | $43.1M | $929K | 1.12% | 4.13% | 1.27% |
| Q4 2024 | $324.0M | $278.4M | $292.3M | $42.1M | $3.2M | 0.98% | 4.04% | 1.33% |
| Q3 2024 | $330.6M | $284.5M | $292.3M | $41.4M | $2.5M | 1.01% | 3.97% | 1.31% |
Loan mix (Q2 2026): real estate $291.0M · commercial $19.6M · consumer $1.7M · securities $7.7M
| Ratio | Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 62.9% | 43th |
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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