| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.9% | +1.9 pts |
| Deposit growth (YoY) | +6.8% | +4.3% | +2.5 pts |
| Loan growth (YoY) | +0.4% | +5.3% | -4.9 pts |
| ROA | -0.30% | 1.28% | -1.6 pts |
| ROE | -3.3% | 12.4% | -15.8 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $531.0M | $446.1M | $273.0M | $47.1M | $-807K | -0.30% | 2.48% | 3.47% |
| Q1 2026 | $538.6M | $450.3M | $271.0M | $49.0M | $825K | 0.62% | 2.50% | 4.20% |
| Q4 2025 | $532.1M | $442.8M | $282.3M | $49.2M | $3.5M | 0.69% | 2.58% | 3.01% |
| Q3 2025 | $516.1M | $427.1M | $281.1M | $48.5M | $3.0M | 0.78% | 2.58% | 2.07% |
| Q2 2025 | $497.0M | $417.7M | $271.9M | $46.7M | $1.8M | 0.71% | 2.52% | 2.15% |
| Q1 2025 | $506.8M | $426.5M | $271.0M | $46.5M | $1.0M | 0.82% | 2.60% | 0.60% |
| Q4 2024 | $507.9M | $389.3M | $269.7M | $44.1M | $3.0M | 0.59% | 2.28% | 0.40% |
| Q3 2024 | $502.6M | $387.3M | $270.1M | $46.6M | $2.1M | 0.56% | 2.23% | 0.45% |
Loan mix (Q2 2026): real estate $253.5M · commercial $14.3M · consumer $2.1M · securities $192.5M
| Ratio | Citizens Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.30% | 1.28% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -3.3% | 12.4% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.48% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 61.2% | 73th |
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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