| Metric | Citizens State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +41.1% | +4.9% | +36.2 pts |
| Deposit growth (YoY) | +41.5% | +4.3% | +37.2 pts |
| Loan growth (YoY) | +55.1% | +5.3% | +49.8 pts |
| ROA | 1.83% | 1.28% | +0.6 pts |
| ROE | 22.3% | 12.5% | +9.8 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $581.0M | $530.5M | $450.5M | $48.0M | $5.0M | 1.83% | 4.86% | 0.53% |
| Q1 2026 | $543.8M | $496.5M | $410.7M | $45.0M | $2.4M | 1.80% | 4.48% | 0.52% |
| Q4 2025 | $526.6M | $481.4M | $377.6M | $43.0M | $5.8M | 1.37% | 4.66% | 0.70% |
| Q3 2025 | $468.8M | $426.1M | $338.9M | $39.7M | $4.1M | 1.38% | 4.91% | 0.95% |
| Q2 2025 | $411.7M | $374.9M | $290.4M | $35.6M | $3.0M | 1.61% | 4.90% | 2.09% |
| Q1 2025 | $382.0M | $349.7M | $233.4M | $31.3M | $1.5M | 1.66% | 4.75% | 1.28% |
| Q4 2024 | $327.3M | $296.2M | $208.7M | $29.9M | $4.8M | 1.69% | 5.13% | 1.50% |
| Q3 2024 | $314.0M | $283.2M | $192.5M | $29.6M | $4.4M | 2.13% | 5.22% | 0.10% |
Loan mix (Q2 2026): real estate $407.2M · commercial $44.2M · consumer $3.4M · securities $53.4M
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 1.28% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 22.3% | 12.5% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.86% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.1% | 61.1% | 7th |
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.
Spends 1.6× the peer median on technology. Pro shows the figures, trend and peer comparison.
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).
3 branches in 2 counties across 1 state (+1 vs 2025) · $530.5M branch deposits. Biggest market: Oakland, MI, ranked 20th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oakland, MI | 2 | $463.7M | 0.51% | 20th |
| Ontonagon, MI | 1 | $66.8M | 32.44% | 2nd |
Michigan: 80th with 0.13% · Detroit-Warren-Dearborn metro: 32nd, 0.21% ·
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 3