| Metric | Citizens State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.4 pts |
| Deposit growth (YoY) | -0.8% | +4.0% | -4.8 pts |
| Loan growth (YoY) | -2.5% | +5.6% | -8.0 pts |
| ROA | 1.91% | 1.24% | +0.7 pts |
| ROE | 17.6% | 11.9% | +5.7 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $190.6M | $165.7M | $120.5M | $20.9M | $1.8M | 1.91% | 4.26% | 0.34% |
| Q1 2026 | $189.9M | $168.2M | $120.0M | $21.0M | $916K | 1.94% | 4.25% | 0.61% |
| Q4 2025 | $187.1M | $165.3M | $121.3M | $20.0M | $3.5M | 1.88% | 4.14% | 0.59% |
| Q3 2025 | $187.4M | $166.5M | $121.4M | $19.9M | $2.6M | 1.85% | 4.11% | 0.57% |
| Q2 2025 | $187.0M | $167.0M | $123.6M | $18.8M | $1.7M | 1.83% | 4.07% | 0.55% |
| Q1 2025 | $189.3M | $170.2M | $123.2M | $18.0M | $887K | 1.91% | 3.96% | 0.68% |
| Q4 2024 | $183.1M | $164.8M | $121.2M | $16.8M | $3.4M | 1.85% | 3.83% | 0.74% |
| Q3 2024 | $188.2M | $169.4M | $118.5M | $17.5M | $2.5M | 1.80% | 3.79% | 0.73% |
Loan mix (Q2 2026): real estate $69.8M · commercial $21.9M · consumer $22.4M · securities $59.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 62.9% | 25th |
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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