| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.4% | -1.4 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.5 pts |
| Loan growth (YoY) | +8.6% | +5.6% | +3.0 pts |
| ROA | 1.19% | 1.24% | -0.0 pts |
| ROE | 10.4% | 11.9% | -1.5 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $142.6M | $125.9M | $95.3M | $16.4M | $845K | 1.19% | 3.89% | 0.20% |
| Q1 2026 | $144.3M | $127.7M | $93.4M | $16.2M | $440K | 1.25% | 3.81% | 0.16% |
| Q4 2025 | $138.1M | $121.7M | $92.6M | $16.1M | $1.3M | 0.95% | 3.54% | 0.45% |
| Q3 2025 | $137.1M | $121.1M | $90.8M | $15.7M | $891K | 0.87% | 3.44% | 0.50% |
| Q2 2025 | $138.5M | $122.9M | $87.7M | $15.3M | $516K | 0.76% | 3.32% | 0.23% |
| Q1 2025 | $138.6M | $123.3M | $85.3M | $15.0M | $210K | 0.62% | 3.18% | 0.24% |
| Q4 2024 | $130.8M | $115.8M | $87.9M | $14.7M | $1.1M | 0.85% | 3.34% | 0.13% |
| Q3 2024 | $130.5M | $112.9M | $86.8M | $14.6M | $831K | 0.86% | 3.29% | 0.13% |
Loan mix (Q2 2026): real estate $79.9M · commercial $5.4M · consumer $2.6M · securities $25.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.9% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
46th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 62.9% | 45th |
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 |
|---|---|---|---|---|
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 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2024) · $122.9M branch deposits. Biggest market: Cooper, MO, ranked 1st with 24.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cooper, MO | 3 | $122.9M | 24.73% | 1st |
Missouri: 201st with 0.04% · Columbia metro: 16th, 1.75% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3