| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +4.4% | +4.6 pts |
| Deposit growth (YoY) | +7.3% | +4.0% | +3.3 pts |
| Loan growth (YoY) | +11.9% | +5.6% | +6.3 pts |
| ROA | 1.45% | 1.24% | +0.2 pts |
| ROE | 22.0% | 11.9% | +10.2 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $221.9M | $200.0M | $134.9M | $14.7M | $1.6M | 1.45% | 4.27% | 0.55% |
| Q1 2026 | $218.1M | $196.8M | $134.8M | $14.2M | $833K | 1.56% | 4.30% | 0.48% |
| Q4 2025 | $210.1M | $189.2M | $130.6M | $13.8M | $2.7M | 1.32% | 4.41% | 0.50% |
| Q3 2025 | $206.9M | $187.4M | $127.6M | $18.2M | $1.9M | 1.26% | 4.40% | 0.50% |
| Q2 2025 | $203.7M | $186.5M | $120.6M | $16.1M | $1.1M | 1.12% | 4.29% | 0.33% |
| Q1 2025 | $206.1M | $189.2M | $116.2M | $16.0M | $444K | 0.87% | 4.18% | 0.33% |
| Q4 2024 | $200.5M | $184.3M | $116.2M | $15.2M | $2.1M | 1.11% | 4.04% | 0.30% |
| Q3 2024 | $186.4M | $168.8M | $106.6M | $16.8M | $1.6M | 1.10% | 4.05% | 0.35% |
Loan mix (Q2 2026): real estate $119.0M · commercial $12.6M · consumer $4.8M · securities $57.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 22.0% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 62.9% | 54th |
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 Community 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 Community 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 Community 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 Community 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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