| Metric | Citizens State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +36.8% | +4.9% | +31.9 pts |
| Deposit growth (YoY) | +38.9% | +4.3% | +34.6 pts |
| Loan growth (YoY) | +38.4% | +5.3% | +33.1 pts |
| ROA | 0.55% | 1.28% | -0.7 pts |
| ROE | 4.5% | 12.4% | -7.9 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $511.4M | $449.2M | $368.2M | $59.3M | $1.3M | 0.55% | 4.21% | 2.30% |
| Q1 2026 | $478.4M | $416.1M | $353.5M | $59.0M | $955K | 0.81% | 4.57% | 0.15% |
| Q4 2025 | $462.8M | $401.0M | $347.0M | $58.0M | $3.2M | 0.80% | 4.43% | 0.13% |
| Q3 2025 | $448.0M | $392.2M | $302.6M | $49.8M | $2.6M | 0.91% | 4.38% | 0.07% |
| Q2 2025 | $373.7M | $323.4M | $266.0M | $44.9M | $1.9M | 1.03% | 4.46% | 0.08% |
| Q1 2025 | $364.9M | $315.0M | $230.9M | $43.8M | $972K | 1.09% | 4.33% | 0.08% |
| Q4 2024 | $346.9M | $304.7M | $212.3M | $36.4M | $3.2M | 0.95% | 4.08% | 0.09% |
| Q3 2024 | $348.7M | $305.4M | $218.9M | $37.8M | $2.5M | 0.99% | 4.04% | 0.14% |
Loan mix (Q2 2026): real estate $300.6M · commercial $69.9M · consumer $1.6M · securities $52.9M
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 1.28% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 12.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 61.2% | 86th |
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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