| Metric | Citizens Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +5.5% | +5.0 pts |
| Deposit growth (YoY) | +10.9% | +5.1% | +5.9 pts |
| Loan growth (YoY) | +2.3% | +5.9% | -3.6 pts |
| ROA | 0.60% | 1.26% | -0.7 pts |
| ROE | 9.3% | 12.2% | -2.9 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.20B | $1.10B | $617.4M | $75.7M | $3.5M | 0.60% | 2.76% | 0.06% |
| Q1 2026 | $1.17B | $1.06B | $604.9M | $75.7M | $1.6M | 0.58% | 2.75% | 0.09% |
| Q4 2025 | $1.09B | $991.3M | $622.3M | $73.3M | $6.3M | 0.58% | 2.78% | 0.09% |
| Q3 2025 | $1.10B | $997.3M | $604.4M | $71.5M | $4.6M | 0.57% | 2.74% | 0.13% |
| Q2 2025 | $1.09B | $994.0M | $603.4M | $64.4M | $3.0M | 0.55% | 2.69% | 0.13% |
| Q1 2025 | $1.10B | $997.4M | $597.0M | $63.2M | $1.1M | 0.40% | 2.59% | 0.16% |
| Q4 2024 | $1.03B | $909.8M | $569.6M | $57.3M | $4.9M | 0.46% | 2.31% | 0.12% |
| Q3 2024 | $1.06B | $917.1M | $570.0M | $65.6M | $3.6M | 0.45% | 2.23% | 0.09% |
Loan mix (Q2 2026): real estate $522.2M · commercial $74.7M · consumer $18.8M · securities $320.9M
| Ratio | Citizens Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 1.26% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 12.2% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.1% | 59.0% | 91th |
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 & Trust | 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 & Trust | 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 & Trust | 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 & Trust | 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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