| Metric | Citizens Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +4.4% | +6.7 pts |
| Deposit growth (YoY) | +9.9% | +4.0% | +6.0 pts |
| Loan growth (YoY) | +8.3% | +5.6% | +2.7 pts |
| ROA | 0.67% | 1.24% | -0.6 pts |
| ROE | 6.4% | 11.9% | -5.5 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $151.1M | $129.2M | $67.3M | $16.2M | $493K | 0.67% | 2.25% | 0.02% |
| Q1 2026 | $147.5M | $127.3M | $65.3M | $14.5M | $257K | 0.70% | 2.25% | 0.08% |
| Q4 2025 | $144.8M | $123.6M | $66.4M | $15.4M | $632K | 0.45% | 2.06% | 0.05% |
| Q3 2025 | $141.9M | $116.9M | $66.1M | $14.1M | $476K | 0.46% | 2.03% | 0.33% |
| Q2 2025 | $136.1M | $117.5M | $62.2M | $12.1M | $274K | 0.40% | 1.97% | 0.10% |
| Q1 2025 | $136.4M | $118.6M | $62.0M | $12.2M | $125K | 0.36% | 1.93% | 0.02% |
| Q4 2024 | $138.3M | $115.5M | $62.5M | $13.1M | $320K | 0.23% | 1.73% | 0.02% |
| Q3 2024 | $139.8M | $116.4M | $61.4M | $14.8M | $280K | 0.27% | 1.70% | 0.14% |
Loan mix (Q2 2026): real estate $46.1M · commercial $5.1M · consumer $1.4M · securities $65.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 62.9% | 45th |
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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