| Metric | Citizens National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.5% | +4.4% | +12.2 pts |
| Deposit growth (YoY) | +18.1% | +4.0% | +14.1 pts |
| Loan growth (YoY) | +19.1% | +5.6% | +13.5 pts |
| ROA | 0.69% | 1.24% | -0.5 pts |
| ROE | 6.2% | 11.9% | -5.7 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $108.8M | $95.2M | $37.0M | $11.8M | $365K | 0.69% | 4.06% | 0.00% |
| Q1 2026 | $105.9M | $92.6M | $36.2M | $11.8M | $180K | 0.69% | 4.09% | 0.00% |
| Q4 2025 | $103.2M | $90.2M | $36.6M | $11.8M | $922K | 0.94% | 4.25% | 0.00% |
| Q3 2025 | $101.5M | $87.9M | $31.0M | $11.5M | $415K | 0.57% | 4.29% | 0.00% |
| Q2 2025 | $93.4M | $80.7M | $31.1M | $10.9M | $304K | 0.64% | 4.40% | 0.00% |
| Q1 2025 | $96.0M | $83.7M | $34.5M | $10.6M | $186K | 0.77% | 4.38% | 0.00% |
| Q4 2024 | $97.8M | $86.4M | $34.6M | $9.9M | $1.4M | 1.45% | 4.54% | 0.00% |
| Q3 2024 | $98.6M | $85.4M | $32.7M | $11.0M | $797K | 1.07% | 4.55% | 0.00% |
Loan mix (Q2 2026): real estate $23.6M · commercial $6.1M · consumer $3.4M · securities $38.4M
| Ratio | Citizens National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 62.9% | 89th |
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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