| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | 0.0% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | -1.6% | +4.0% | -5.5 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.4 pts |
| ROA | 1.79% | 1.24% | +0.6 pts |
| ROE | 14.6% | 11.9% | +2.7 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $352.6M | $303.2M | $222.9M | $45.2M | $3.2M | 1.79% | 4.28% | 0.24% |
| Q1 2026 | $356.1M | $307.5M | $215.1M | $44.2M | $1.6M | 1.73% | 4.17% | 0.28% |
| Q4 2025 | $365.0M | $318.3M | $224.5M | $43.0M | $6.4M | 1.80% | 4.14% | 0.03% |
| Q3 2025 | $355.8M | $308.2M | $213.8M | $43.1M | $4.5M | 1.73% | 4.12% | 0.09% |
| Q2 2025 | $352.6M | $308.1M | $208.3M | $40.1M | $3.0M | 1.70% | 4.07% | 0.11% |
| Q1 2025 | $346.8M | $303.2M | $207.2M | $39.3M | $1.6M | 1.86% | 3.96% | 0.16% |
| Q4 2024 | $347.6M | $306.4M | $210.3M | $37.3M | $5.1M | 1.51% | 3.95% | 0.51% |
| Q3 2024 | $344.7M | $293.1M | $208.1M | $39.4M | $3.5M | 1.40% | 3.88% | 0.83% |
Loan mix (Q2 2026): real estate $171.6M · commercial $40.8M · consumer $6.7M · securities $67.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 11.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.8% | 62.9% | 3rd |
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) · $308.1M branch deposits. Biggest market: Franklin, TN, ranked 1st with 34.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, TN | 3 | $308.1M | 34.53% | 1st |
Tennessee: 108th with 0.12% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3