| Metric | Citizens State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.4% | -1.1 pts |
| Deposit growth (YoY) | +0.2% | +4.0% | -3.7 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.6 pts |
| ROA | 1.74% | 1.24% | +0.5 pts |
| ROE | 14.3% | 11.9% | +2.5 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $194.7M | $166.1M | $130.1M | $24.7M | $1.7M | 1.74% | 3.55% | 0.00% |
| Q1 2026 | $197.1M | $172.6M | $127.8M | $23.6M | $861K | 1.74% | 3.43% | 0.02% |
| Q4 2025 | $198.8M | $174.7M | $125.6M | $23.3M | $2.7M | 1.40% | 3.19% | 0.00% |
| Q3 2025 | $193.2M | $169.5M | $122.8M | $22.5M | $1.9M | 1.34% | 3.13% | 0.00% |
| Q2 2025 | $188.4M | $165.8M | $121.3M | $21.7M | $1.2M | 1.31% | 3.09% | 0.00% |
| Q1 2025 | $185.6M | $163.6M | $118.7M | $21.2M | $571K | 1.24% | 3.03% | 0.00% |
| Q4 2024 | $183.9M | $162.6M | $118.2M | $20.5M | $2.3M | 1.23% | 2.63% | 0.00% |
| Q3 2024 | $184.5M | $152.9M | $114.9M | $20.5M | $1.5M | 1.03% | 2.53% | 0.11% |
Loan mix (Q2 2026): real estate $82.3M · commercial $10.9M · consumer $6.3M · securities $52.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.8% | 62.9% | 11th |
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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