| Metric | Citizens First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | +5.6% | +4.0% | +1.6 pts |
| Loan growth (YoY) | +14.1% | +5.6% | +8.5 pts |
| ROA | 1.13% | 1.24% | -0.1 pts |
| ROE | 17.7% | 11.9% | +5.9 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $361.3M | $278.7M | $283.1M | $23.6M | $2.0M | 1.13% | 3.29% | 1.36% |
| Q1 2026 | $359.3M | $288.9M | $273.8M | $22.8M | $922K | 1.03% | 3.11% | 1.63% |
| Q4 2025 | $359.3M | $280.1M | $273.0M | $22.7M | $1.1M | 0.32% | 2.81% | 1.55% |
| Q3 2025 | $345.5M | $281.1M | $257.0M | $20.6M | $114K | 0.05% | 2.70% | 1.54% |
| Q2 2025 | $339.3M | $264.0M | $248.2M | $18.9M | $-626K | -0.38% | 2.63% | 1.50% |
| Q1 2025 | $328.0M | $263.5M | $234.8M | $16.6M | $-1.2M | -1.45% | 2.38% | 1.65% |
| Q4 2024 | $321.2M | $256.9M | $235.4M | $17.0M | $2.2M | 0.71% | 2.72% | 1.67% |
| Q3 2024 | $310.8M | $247.5M | $230.6M | $18.1M | $1.6M | 0.68% | 2.69% | 1.79% |
Loan mix (Q2 2026): real estate $200.8M · commercial $55.0M · consumer $4.5M · securities $58.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 17.7% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 62.9% | 52th |
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 First 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 First 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 First 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 First 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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