| Metric | Citizens State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +4.4% | -5.1 pts |
| Deposit growth (YoY) | -1.4% | +4.0% | -5.3 pts |
| Loan growth (YoY) | +6.4% | +5.6% | +0.8 pts |
| ROA | 1.73% | 1.24% | +0.5 pts |
| ROE | 17.6% | 11.9% | +5.7 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $453.3M | $407.5M | $299.3M | $42.7M | $4.0M | 1.73% | 3.91% | 0.84% |
| Q1 2026 | $449.2M | $398.0M | $293.1M | $48.0M | $1.8M | 1.51% | 3.81% | 1.05% |
| Q4 2025 | $497.9M | $447.7M | $293.0M | $46.8M | $6.5M | 1.46% | 3.59% | 1.01% |
| Q3 2025 | $447.7M | $400.3M | $280.6M | $43.9M | $4.6M | 1.42% | 3.61% | 1.37% |
| Q2 2025 | $456.5M | $413.3M | $281.3M | $40.1M | $3.4M | 1.56% | 3.60% | 0.58% |
| Q1 2025 | $422.9M | $379.9M | $280.4M | $39.9M | $1.6M | 1.49% | 3.58% | 0.21% |
| Q4 2024 | $414.5M | $373.0M | $281.3M | $38.1M | $5.6M | 1.36% | 3.30% | 0.31% |
| Q3 2024 | $434.4M | $391.6M | $268.2M | $39.5M | $4.3M | 1.37% | 3.27% | 0.34% |
Loan mix (Q2 2026): real estate $143.7M · commercial $29.6M · consumer $9.1M · securities $122.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 62.9% | 18th |
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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