| Metric | Citizens Guaranty Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.4% | +0.2 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +8.0% | +5.6% | +2.5 pts |
| ROA | 1.51% | 1.24% | +0.3 pts |
| ROE | 17.7% | 11.9% | +5.8 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $303.6M | $260.7M | $279.0M | $25.6M | $2.3M | 1.51% | 5.43% | 2.24% |
| Q1 2026 | $299.2M | $263.3M | $268.6M | $26.2M | $1.3M | 1.75% | 5.52% | 2.34% |
| Q4 2025 | $299.8M | $260.2M | $269.5M | $25.0M | $4.0M | 1.38% | 5.27% | 2.27% |
| Q3 2025 | $291.4M | $256.6M | $264.4M | $23.9M | $2.8M | 1.30% | 5.20% | 2.16% |
| Q2 2025 | $290.2M | $256.6M | $258.3M | $23.1M | $1.8M | 1.24% | 5.13% | 1.62% |
| Q1 2025 | $288.7M | $254.3M | $262.0M | $23.2M | $896K | 1.25% | 4.98% | 1.78% |
| Q4 2024 | $284.4M | $251.5M | $257.3M | $22.3M | $3.1M | 1.09% | 4.76% | 1.66% |
| Q3 2024 | $288.4M | $255.9M | $251.4M | $21.6M | $2.0M | 0.94% | 4.66% | 1.44% |
Loan mix (Q2 2026): real estate $233.2M · commercial $22.6M · consumer $26.2M · securities $7.2M
| Ratio | Citizens Guaranty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 17.7% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 62.9% | 68th |
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 Guaranty 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 Guaranty 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 Guaranty 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 Guaranty 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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