| Metric | Citizens Bank of Eldon | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | +5.5% | +4.0% | +1.5 pts |
| Loan growth (YoY) | +14.8% | +5.6% | +9.3 pts |
| ROA | 2.23% | 1.24% | +1.0 pts |
| ROE | 20.1% | 11.9% | +8.2 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $247.3M | $216.3M | $201.8M | $28.1M | $2.7M | 2.23% | 5.21% | 0.74% |
| Q1 2026 | $243.5M | $213.2M | $196.1M | $27.1M | $1.3M | 2.10% | 5.08% | 0.74% |
| Q4 2025 | $243.5M | $214.1M | $190.0M | $26.3M | $4.8M | 2.04% | 4.93% | 0.68% |
| Q3 2025 | $238.4M | $209.4M | $183.0M | $26.1M | $3.6M | 2.05% | 4.85% | 0.84% |
| Q2 2025 | $233.0M | $205.1M | $175.8M | $25.1M | $2.2M | 1.93% | 4.74% | 0.82% |
| Q1 2025 | $233.9M | $203.6M | $170.2M | $24.4M | $1.1M | 1.91% | 4.58% | 0.90% |
| Q4 2024 | $227.3M | $198.0M | $166.8M | $23.5M | $3.2M | 1.43% | 4.24% | 0.84% |
| Q3 2024 | $224.0M | $190.9M | $167.9M | $23.5M | $2.3M | 1.38% | 4.18% | 0.68% |
Loan mix (Q2 2026): real estate $161.9M · commercial $15.9M · consumer $16.1M · securities $19.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Bank of Eldon | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.23% | 1.24% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 20.1% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.8% | 62.9% | 7th |
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 of Eldon | 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 of Eldon | 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 of Eldon | 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 of Eldon | 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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