| Metric | Citizens Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +1.9% | +4.0% | -2.0 pts |
| Loan growth (YoY) | +4.3% | +5.6% | -1.3 pts |
| ROA | 1.28% | 1.24% | +0.0 pts |
| ROE | 9.5% | 11.9% | -2.4 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $329.1M | $282.4M | $248.2M | $44.8M | $2.1M | 1.28% | 4.90% | 0.71% |
| Q1 2026 | $326.4M | $280.9M | $248.7M | $43.8M | $1.1M | 1.37% | 4.92% | 0.74% |
| Q4 2025 | $318.5M | $274.0M | $247.4M | $43.0M | $2.5M | 0.77% | 4.61% | 1.02% |
| Q3 2025 | $319.7M | $275.2M | $241.7M | $42.6M | $2.3M | 0.98% | 4.56% | 0.96% |
| Q2 2025 | $319.8M | $277.1M | $238.0M | $41.2M | $1.5M | 0.97% | 4.52% | 1.03% |
| Q1 2025 | $316.4M | $275.0M | $237.2M | $40.2M | $772K | 0.99% | 4.55% | 1.03% |
| Q4 2024 | $307.2M | $266.6M | $237.0M | $38.8M | $2.1M | 0.68% | 4.29% | 0.88% |
| Q3 2024 | $306.0M | $262.7M | $234.9M | $39.4M | $1.5M | 0.67% | 4.27% | 1.12% |
Loan mix (Q2 2026): real estate $234.6M · commercial $6.2M · consumer $13.2M · securities $47.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 62.9% | 63th |
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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