| Metric | Citizens State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.6 pts |
| Deposit growth (YoY) | +4.4% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 1.21% | 1.24% | -0.0 pts |
| ROE | 14.3% | 11.9% | +2.5 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $237.6M | $196.8M | $197.7M | $21.2M | $1.5M | 1.21% | 4.36% | 1.02% |
| Q1 2026 | $242.6M | $194.7M | $193.3M | $20.6M | $706K | 1.14% | 4.19% | 0.94% |
| Q4 2025 | $254.1M | $206.6M | $197.3M | $20.2M | $2.0M | 0.84% | 4.16% | 0.34% |
| Q3 2025 | $241.9M | $198.6M | $192.9M | $19.8M | $1.5M | 0.83% | 4.09% | 0.99% |
| Q2 2025 | $233.5M | $188.5M | $190.5M | $19.1M | $930K | 0.80% | 4.07% | 0.37% |
| Q1 2025 | $230.8M | $185.9M | $187.3M | $18.6M | $464K | 0.79% | 4.03% | 0.33% |
| Q4 2024 | $237.6M | $192.9M | $181.4M | $17.9M | $1.4M | 0.60% | 3.50% | 0.39% |
| Q3 2024 | $238.7M | $193.8M | $182.2M | $18.2M | $896K | 0.52% | 3.43% | 0.42% |
Loan mix (Q2 2026): real estate $177.5M · commercial $9.5M · consumer $3.7M · securities $24.4M
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 62.9% | 52th |
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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