| Metric | Citizens Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.4% | +2.5 pts |
| Deposit growth (YoY) | +6.4% | +4.0% | +2.5 pts |
| Loan growth (YoY) | +5.9% | +5.6% | +0.3 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 13.4% | 11.9% | +1.5 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $165.9M | $151.3M | $68.6M | $12.9M | $847K | 1.02% | 2.97% | 0.00% |
| Q1 2026 | $175.0M | $159.4M | $69.7M | $12.6M | $381K | 0.91% | 2.92% | 0.00% |
| Q4 2025 | $159.7M | $144.4M | $70.9M | $12.3M | $1.5M | 0.89% | 2.79% | 0.00% |
| Q3 2025 | $172.5M | $158.5M | $69.0M | $11.9M | $1.1M | 0.88% | 2.71% | 0.00% |
| Q2 2025 | $155.2M | $142.2M | $64.8M | $11.3M | $689K | 0.85% | 2.70% | 0.00% |
| Q1 2025 | $169.6M | $155.9M | $63.2M | $10.9M | $348K | 0.84% | 2.65% | 0.00% |
| Q4 2024 | $160.8M | $148.4M | $63.6M | $10.2M | $1.2M | 0.78% | 2.65% | 0.00% |
| Q3 2024 | $166.8M | $154.3M | $57.8M | $10.2M | $887K | 0.75% | 2.61% | 0.00% |
Loan mix (Q2 2026): real estate $44.0M · commercial $10.3M · consumer $1.1M · securities $82.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 62.9% | 53th |
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 Savings 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 Savings 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 Savings 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 Savings 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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