| Metric | Citizens State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.5% | +0.5 pts |
| Deposit growth (YoY) | +4.9% | +5.1% | -0.1 pts |
| Loan growth (YoY) | +3.0% | +5.9% | -2.9 pts |
| ROA | 1.65% | 1.26% | +0.4 pts |
| ROE | 13.3% | 12.2% | +1.2 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.22B | $1.05B | $751.8M | $154.3M | $10.0M | 1.65% | 4.74% | 1.54% |
| Q1 2026 | $1.21B | $1.05B | $752.9M | $150.3M | $4.7M | 1.55% | 4.57% | 1.73% |
| Q4 2025 | $1.21B | $1.05B | $742.8M | $146.3M | $20.2M | 1.77% | 4.72% | 1.55% |
| Q3 2025 | $1.15B | $990.1M | $732.1M | $143.0M | $14.5M | 1.71% | 4.74% | 1.20% |
| Q2 2025 | $1.15B | $1.00B | $729.8M | $136.4M | $10.0M | 1.78% | 4.66% | 1.10% |
| Q1 2025 | $1.11B | $968.8M | $723.2M | $131.0M | $5.0M | 1.80% | 4.63% | 1.13% |
| Q4 2024 | $1.10B | $961.9M | $705.2M | $124.6M | $16.7M | 1.55% | 4.21% | 1.05% |
| Q3 2024 | $1.09B | $949.6M | $694.1M | $125.7M | $12.6M | 1.57% | 4.14% | 1.02% |
Loan mix (Q2 2026): real estate $594.0M · commercial $104.7M · consumer $18.8M · securities $286.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.26% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.2% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.3% | 59.0% | 24th |
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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