| Metric | Citizens Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.4% | -1.6 pts |
| Deposit growth (YoY) | +3.0% | +4.0% | -0.9 pts |
| Loan growth (YoY) | +4.1% | +5.6% | -1.4 pts |
| ROA | 1.36% | 1.24% | +0.1 pts |
| ROE | 12.7% | 11.9% | +0.8 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $107.3M | $93.7M | $52.4M | $12.0M | $753K | 1.36% | 3.80% | 0.04% |
| Q1 2026 | $111.3M | $98.3M | $51.4M | $11.7M | $416K | 1.47% | 3.81% | 0.05% |
| Q4 2025 | $114.5M | $100.3M | $52.9M | $11.9M | $1.3M | 1.22% | 3.50% | 0.13% |
| Q3 2025 | $102.9M | $88.7M | $52.6M | $11.4M | $751K | 0.94% | 3.24% | 3.11% |
| Q2 2025 | $104.3M | $91.0M | $50.3M | $10.9M | $590K | 1.09% | 3.38% | 0.12% |
| Q1 2025 | $110.0M | $97.4M | $49.4M | $10.2M | $263K | 0.95% | 3.24% | 0.27% |
| Q4 2024 | $110.4M | $97.8M | $52.5M | $9.6M | $1.0M | 0.90% | 3.01% | 0.04% |
| Q3 2024 | $102.7M | $89.7M | $49.1M | $10.3M | $807K | 0.95% | 3.00% | 0.05% |
Loan mix (Q2 2026): real estate $35.3M · commercial $7.1M · consumer $2.0M · securities $46.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 62.9% | 58th |
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 |
|---|---|---|---|---|
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 & 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% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2024) · $91.0M branch deposits. Biggest market: Atchison, MO, ranked 2nd with 34.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Atchison, MO | 1 | $76.4M | 34.26% | 2nd |
| Holt, MO | 1 | $14.5M | 8.62% | 5th |
Missouri: 228th with 0.03% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2