| Metric | Citizens State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.9% | +3.6 pts |
| Deposit growth (YoY) | +8.3% | +4.3% | +4.0 pts |
| Loan growth (YoY) | +10.8% | +5.3% | +5.5 pts |
| ROA | 1.22% | 1.28% | -0.1 pts |
| ROE | 14.2% | 12.4% | +1.8 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $653.0M | $592.2M | $499.7M | $57.8M | $3.9M | 1.22% | 3.47% | 0.30% |
| Q1 2026 | $653.5M | $597.7M | $494.1M | $54.0M | $1.9M | 1.19% | 3.38% | 0.26% |
| Q4 2025 | $640.5M | $578.5M | $491.8M | $55.0M | $7.3M | 1.19% | 3.42% | 0.27% |
| Q3 2025 | $610.2M | $553.3M | $452.4M | $52.7M | $5.3M | 1.18% | 3.42% | 0.30% |
| Q2 2025 | $601.6M | $546.7M | $451.0M | $49.7M | $3.5M | 1.15% | 3.37% | 0.30% |
| Q1 2025 | $617.4M | $561.8M | $444.6M | $50.3M | $1.6M | 1.07% | 3.21% | 0.40% |
| Q4 2024 | $586.7M | $530.1M | $445.4M | $50.6M | $6.1M | 1.08% | 3.37% | 0.27% |
| Q3 2024 | $578.6M | $522.2M | $420.7M | $51.4M | $4.7M | 1.11% | 3.38% | 0.16% |
Loan mix (Q2 2026): real estate $298.9M · commercial $29.9M · consumer $3.5M · securities $112.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.28% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 12.4% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 61.2% | 65th |
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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