| Metric | Citizens National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +4.9% | +5.2 pts |
| Deposit growth (YoY) | +9.8% | +4.3% | +5.5 pts |
| Loan growth (YoY) | -1.3% | +5.3% | -6.7 pts |
| ROA | 1.61% | 1.28% | +0.3 pts |
| ROE | 13.0% | 12.4% | +0.6 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $691.8M | $604.0M | $415.9M | $85.3M | $5.4M | 1.61% | 3.85% | 0.00% |
| Q1 2026 | $668.0M | $582.1M | $422.4M | $83.1M | $2.6M | 1.59% | 3.83% | 0.00% |
| Q4 2025 | $660.2M | $575.9M | $417.8M | $81.4M | $9.6M | 1.51% | 3.56% | 0.00% |
| Q3 2025 | $642.7M | $561.8M | $427.7M | $78.2M | $7.1M | 1.50% | 3.48% | 0.00% |
| Q2 2025 | $628.1M | $550.0M | $421.4M | $75.6M | $4.7M | 1.51% | 3.39% | 0.00% |
| Q1 2025 | $623.8M | $548.6M | $421.6M | $72.4M | $1.8M | 1.18% | 3.19% | 0.04% |
| Q4 2024 | $619.5M | $546.5M | $421.7M | $70.1M | $6.7M | 1.10% | 2.93% | 0.04% |
| Q3 2024 | $616.3M | $545.0M | $426.0M | $68.1M | $4.7M | 1.02% | 2.84% | 0.16% |
Loan mix (Q2 2026): real estate $388.0M · commercial $14.2M · consumer $2.1M · securities $200.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.28% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.4% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.0% | 61.2% | 14th |
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 National 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 National 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 National 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 National 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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