| Metric | Citizens State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +3.0% | -2.3 pts |
| Deposit growth (YoY) | +0.8% | +2.5% | -1.7 pts |
| Loan growth (YoY) | +11.5% | +2.6% | +8.9 pts |
| ROA | 0.82% | 0.99% | -0.2 pts |
| ROE | 5.0% | 8.1% | -3.1 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $80.7M | $67.0M | $66.7M | $13.1M | $332K | 0.82% | 4.78% | 0.39% |
| Q1 2026 | $81.6M | $67.7M | $64.2M | $13.4M | $137K | 0.68% | 4.67% | 0.49% |
| Q4 2025 | $80.4M | $66.6M | $60.4M | $13.3M | $911K | 1.15% | 5.06% | 0.02% |
| Q3 2025 | $76.7M | $62.8M | $59.7M | $13.1M | $765K | 1.30% | 5.16% | 0.03% |
| Q2 2025 | $80.1M | $66.5M | $59.8M | $13.0M | $620K | 1.57% | 5.10% | 0.02% |
| Q1 2025 | $78.9M | $64.9M | $56.3M | $13.3M | $227K | 1.15% | 4.91% | 0.04% |
| Q4 2024 | $78.3M | $64.6M | $57.2M | $13.2M | $1.1M | 1.35% | 5.36% | 0.07% |
| Q3 2024 | $77.9M | $64.3M | $57.1M | $12.9M | $823K | 1.40% | 5.42% | 0.05% |
Loan mix (Q2 2026): real estate $56.0M · commercial $9.8M · consumer $486K · securities $3.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.99% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 8.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.78% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 70.8% | 67th |
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 State 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 State 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 State 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 State 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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