| Metric | Citizens State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.0% | +4.9% | +12.1 pts |
| Deposit growth (YoY) | +17.1% | +4.3% | +12.8 pts |
| Loan growth (YoY) | +16.3% | +5.3% | +11.0 pts |
| ROA | 1.42% | 1.28% | +0.1 pts |
| ROE | 16.0% | 12.4% | +3.6 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $507.0M | $456.6M | $312.9M | $45.1M | $3.5M | 1.42% | 3.22% | 0.00% |
| Q1 2026 | $507.5M | $457.8M | $293.1M | $44.0M | $1.7M | 1.38% | 3.15% | 0.00% |
| Q4 2025 | $474.2M | $424.4M | $284.2M | $43.2M | $6.1M | 1.38% | 3.13% | 0.00% |
| Q3 2025 | $450.2M | $402.4M | $277.4M | $43.4M | $4.4M | 1.36% | 3.10% | 0.00% |
| Q2 2025 | $433.5M | $390.0M | $269.0M | $39.1M | $2.8M | 1.31% | 3.05% | 0.00% |
| Q1 2025 | $441.0M | $399.2M | $259.6M | $37.9M | $1.3M | 1.24% | 2.96% | 0.00% |
| Q4 2024 | $416.4M | $374.6M | $249.2M | $35.2M | $5.2M | 1.25% | 2.90% | 0.00% |
| Q3 2024 | $427.0M | $383.4M | $246.3M | $39.2M | $3.8M | 1.22% | 2.85% | 0.00% |
Loan mix (Q2 2026): real estate $288.2M · commercial $13.6M · consumer $8.5M · securities $154.0M
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.28% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 12.4% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.2% | 61.2% | 9th |
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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