| Metric | Citizens Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +3.0% | -3.9 pts |
| Deposit growth (YoY) | -1.9% | +2.5% | -4.4 pts |
| Loan growth (YoY) | +2.8% | +2.6% | +0.2 pts |
| ROA | 1.07% | 0.99% | +0.1 pts |
| ROE | 10.5% | 8.1% | +2.4 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $77.9M | $64.6M | $49.3M | $8.0M | $411K | 1.07% | 4.12% | 0.00% |
| Q1 2026 | $76.9M | $63.7M | $48.1M | $7.9M | $262K | 1.38% | 4.09% | 0.00% |
| Q4 2025 | $75.4M | $62.2M | $47.5M | $7.7M | $1.0M | 1.33% | 3.98% | 0.00% |
| Q3 2025 | $78.1M | $65.2M | $48.8M | $7.6M | $856K | 1.47% | 3.94% | 0.00% |
| Q2 2025 | $78.6M | $65.9M | $48.0M | $7.4M | $555K | 1.43% | 3.88% | 0.00% |
| Q1 2025 | $76.5M | $64.1M | $47.3M | $7.2M | $262K | 1.36% | 3.83% | 0.00% |
| Q4 2024 | $77.6M | $65.2M | $48.0M | $7.0M | $924K | 1.25% | 3.93% | 0.00% |
| Q3 2024 | $71.5M | $59.1M | $50.3M | $7.0M | $760K | 1.38% | 3.99% | 0.00% |
Loan mix (Q2 2026): real estate $28.7M · commercial $4.9M · consumer $848K · securities $1.3M
| Ratio | Citizens Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.99% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 8.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 70.8% | 51st |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2024) · $65.9M branch deposits. Biggest market: Marshall, IA, ranked 10th with 4.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marshall, IA | 3 | $65.9M | 4.14% | 10th |
Iowa: 266th with 0.04% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3