| Metric | Citizens State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +3.0% | +5.3 pts |
| Deposit growth (YoY) | +9.0% | +2.5% | +6.5 pts |
| Loan growth (YoY) | +9.8% | +2.6% | +7.2 pts |
| ROA | 1.49% | 0.99% | +0.5 pts |
| ROE | 13.6% | 8.1% | +5.5 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.6M | $27.8M | $31.1M | $4.0M | $261K | 1.49% | 4.73% | 0.00% |
| Q1 2026 | $33.2M | $27.0M | $29.4M | $3.9M | $134K | 1.55% | 4.69% | 0.00% |
| Q4 2025 | $36.1M | $28.3M | $30.5M | $3.7M | $301K | 0.89% | 4.35% | 0.00% |
| Q3 2025 | $34.9M | $26.7M | $29.9M | $3.6M | $197K | 0.79% | 4.37% | 0.00% |
| Q2 2025 | $32.8M | $25.5M | $28.4M | $3.6M | $180K | 1.11% | 4.17% | 0.86% |
| Q1 2025 | $32.0M | $24.7M | $26.2M | $3.5M | $102K | 1.27% | 4.11% | 0.00% |
| Q4 2024 | $32.5M | $23.8M | $27.9M | $3.4M | $306K | 0.95% | 3.95% | 0.00% |
| Q3 2024 | $33.3M | $24.4M | $27.9M | $3.4M | $264K | 1.10% | 3.95% | 0.00% |
Loan mix (Q2 2026): real estate $12.1M · commercial $2.4M · consumer $1.5M · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 0.99% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 8.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.8% | 70.8% | 26th |
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 |
|---|---|---|---|---|
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 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% |
The full ratio pack is part of CharterBench Pro.
Citizens State Bank is in an open deal as the target: Van Cleef Family Control Group to take control of Citizens State Bank (pending, filed Sep 5, 2026). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Sep 5, 2026 | Target | Van Cleef Family Control Group | Change in control | Pending | Federal Reserve |
1 branches in 1 county across 1 state (+0 vs 2025) · $27.8M branch deposits. Biggest market: Thayer, NE, ranked 6th with 5.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Thayer, NE | 1 | $27.8M | 5.79% | 6th |
Nebraska: 182nd with 0.03% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).