| Metric | Citizens State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.2 pts |
| Deposit growth (YoY) | +3.7% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +5.8% | +5.6% | +0.2 pts |
| ROA | 2.55% | 1.24% | +1.3 pts |
| ROE | 24.3% | 11.9% | +12.4 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $270.1M | $239.6M | $209.4M | $29.6M | $3.5M | 2.55% | 4.46% | 0.58% |
| Q1 2026 | $280.5M | $250.8M | $205.3M | $28.8M | $1.7M | 2.40% | 4.26% | 0.66% |
| Q4 2025 | $273.8M | $244.8M | $203.0M | $28.2M | $6.8M | 2.61% | 4.41% | 0.75% |
| Q3 2025 | $278.5M | $250.4M | $203.4M | $27.5M | $5.0M | 2.60% | 4.41% | 0.00% |
| Q2 2025 | $258.4M | $231.0M | $198.0M | $26.6M | $3.4M | 2.70% | 4.52% | 0.11% |
| Q1 2025 | $249.8M | $223.2M | $196.5M | $25.9M | $1.7M | 2.68% | 4.53% | 0.51% |
| Q4 2024 | $244.7M | $219.4M | $185.3M | $24.7M | $6.1M | 2.56% | 4.18% | 0.00% |
| Q3 2024 | $240.8M | $215.9M | $176.8M | $24.1M | $4.4M | 2.49% | 4.10% | 0.00% |
Loan mix (Q2 2026): real estate $148.4M · commercial $35.4M · consumer $6.0M · securities $21.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.55% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 24.3% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.9% | 62.9% | 4th |
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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