| Metric | Citizens Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.4% | -2.9 pts |
| Deposit growth (YoY) | +1.4% | +4.0% | -2.5 pts |
| Loan growth (YoY) | +1.8% | +5.6% | -3.8 pts |
| ROA | 0.24% | 1.24% | -1.0 pts |
| ROE | 1.6% | 11.9% | -10.2 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $359.0M | $304.0M | $298.2M | $53.8M | $437K | 0.24% | 2.57% | 0.23% |
| Q1 2026 | $358.9M | $304.2M | $290.6M | $53.5M | $146K | 0.16% | 2.57% | 0.21% |
| Q4 2025 | $355.2M | $300.7M | $290.8M | $53.3M | $885K | 0.25% | 2.51% | 0.19% |
| Q3 2025 | $348.7M | $294.4M | $291.0M | $52.9M | $649K | 0.24% | 2.51% | 0.23% |
| Q2 2025 | $353.7M | $299.8M | $292.9M | $52.5M | $544K | 0.30% | 2.50% | 0.37% |
| Q1 2025 | $356.0M | $302.7M | $294.1M | $51.9M | $82K | 0.09% | 2.43% | 0.18% |
| Q4 2024 | $361.7M | $309.2M | $295.7M | $51.4M | $-2.2M | -0.62% | 2.15% | 0.14% |
| Q3 2024 | $357.9M | $305.5M | $296.8M | $51.0M | $-2.8M | -1.05% | 2.17% | 0.23% |
Loan mix (Q2 2026): real estate $299.0M · commercial $0 · consumer $210K · securities $37.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 62.9% | 93th |
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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