| Metric | Citizens State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.9% | +0.6 pts |
| Deposit growth (YoY) | +4.3% | +4.3% | +0.0 pts |
| Loan growth (YoY) | +7.6% | +5.3% | +2.3 pts |
| ROA | 1.17% | 1.28% | -0.1 pts |
| ROE | 18.8% | 12.4% | +6.4 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $594.4M | $537.8M | $324.2M | $39.6M | $3.5M | 1.17% | 2.93% | 0.84% |
| Q1 2026 | $582.9M | $530.4M | $319.6M | $35.6M | $1.5M | 1.02% | 2.86% | 0.87% |
| Q4 2025 | $596.3M | $544.0M | $326.4M | $35.5M | $4.0M | 0.70% | 2.58% | 0.87% |
| Q3 2025 | $570.4M | $517.7M | $301.4M | $31.5M | $2.4M | 0.58% | 2.51% | 0.90% |
| Q2 2025 | $563.6M | $515.5M | $301.2M | $26.8M | $1.3M | 0.47% | 2.47% | 0.94% |
| Q1 2025 | $559.3M | $515.3M | $293.3M | $25.2M | $786K | 0.57% | 2.54% | 0.01% |
| Q4 2024 | $550.2M | $502.3M | $287.5M | $24.4M | $2.2M | 0.42% | 2.26% | 0.05% |
| Q3 2024 | $538.4M | $489.7M | $268.5M | $26.9M | $1.5M | 0.38% | 2.21% | 0.02% |
Loan mix (Q2 2026): real estate $201.9M · commercial $37.0M · consumer $4.4M · securities $219.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.28% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 18.8% | 12.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 61.2% | 48th |
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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