| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.9% | +2.0 pts |
| Deposit growth (YoY) | +5.8% | +4.3% | +1.5 pts |
| Loan growth (YoY) | -2.1% | +5.3% | -7.4 pts |
| ROA | 1.01% | 1.28% | -0.3 pts |
| ROE | 16.7% | 12.4% | +4.2 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $548.4M | $498.6M | $236.5M | $33.8M | $2.7M | 1.01% | 3.34% | 0.04% |
| Q1 2026 | $543.9M | $497.5M | $235.3M | $30.5M | $1.3M | 0.95% | 3.30% | 0.06% |
| Q4 2025 | $527.6M | $478.1M | $240.0M | $33.8M | $4.4M | 0.85% | 3.29% | 0.05% |
| Q3 2025 | $505.5M | $458.7M | $233.3M | $30.4M | $3.4M | 0.89% | 3.27% | 0.05% |
| Q2 2025 | $512.8M | $471.3M | $241.6M | $22.9M | $2.2M | 0.87% | 3.24% | 0.07% |
| Q1 2025 | $510.6M | $469.6M | $237.3M | $22.6M | $971K | 0.78% | 3.20% | 0.06% |
| Q4 2024 | $489.9M | $447.7M | $238.3M | $19.9M | $3.0M | 0.62% | 2.98% | 0.06% |
| Q3 2024 | $490.2M | $442.9M | $223.7M | $28.4M | $2.1M | 0.57% | 2.94% | 0.06% |
Loan mix (Q2 2026): real estate $193.1M · commercial $11.6M · consumer $3.5M · securities $237.8M
| Ratio | Citizens Bank of Kansas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.28% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 12.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 61.2% | 77th |
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 Kansas | 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 Kansas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Citizens Bank of Kansas | 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 Kansas | 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 Kansas | 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.
11 branches in 6 counties across 1 state (+0 vs 2024) · $471.3M branch deposits. Biggest market: Sedgwick, KS, ranked 21st with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sedgwick, KS | 5 | $179.7M | 0.80% | 21st |
| Kingman, KS | 1 | $84.5M | 34.68% | 2nd |
| Butler, KS | 2 | $74.6M | 3.79% | 11th |
| 3 more counties with Pro → | ||||
Kansas: 57th with 0.41% · Wichita metro: 14th, 0.97% ·
Branch count: 2022 11 · 2023 11 · 2024 11 · 2025 11