| Metric | Citizens National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.5% | -2.0 pts |
| Deposit growth (YoY) | +2.4% | +5.1% | -2.6 pts |
| Loan growth (YoY) | +4.2% | +5.9% | -1.7 pts |
| ROA | 2.00% | 1.26% | +0.7 pts |
| ROE | 20.8% | 12.2% | +8.6 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.96B | $1.74B | $1.32B | $192.2M | $19.6M | 2.00% | 3.50% | 0.03% |
| Q1 2026 | $1.96B | $1.75B | $1.32B | $187.0M | $9.5M | 1.94% | 3.44% | 0.02% |
| Q4 2025 | $1.96B | $1.75B | $1.28B | $188.6M | $35.7M | 1.86% | 3.36% | 0.01% |
| Q3 2025 | $1.93B | $1.72B | $1.31B | $177.5M | $24.4M | 1.71% | 3.29% | 0.03% |
| Q2 2025 | $1.89B | $1.70B | $1.26B | $168.6M | $16.0M | 1.68% | 3.21% | 0.02% |
| Q1 2025 | $1.89B | $1.70B | $1.24B | $161.3M | $7.3M | 1.53% | 3.13% | 0.00% |
| Q4 2024 | $1.93B | $1.75B | $1.22B | $149.8M | $27.4M | 1.52% | 3.05% | 0.00% |
| Q3 2024 | $1.88B | $1.69B | $1.19B | $159.9M | $18.9M | 1.42% | 3.00% | 0.00% |
Loan mix (Q2 2026): real estate $1.24B · commercial $92.4M · consumer $5.3M · securities $444.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.00% | 1.26% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 20.8% | 12.2% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.7% | 59.0% | 10th |
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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