No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $137.7M | $112.0M | $76.9M | $22.3M | $976K | 1.47% | 3.85% | 0.14% |
| Q1 2026 | $136.8M | $111.4M | $72.3M | $21.8M | $385K | 1.18% | 3.75% | 0.20% |
| Q4 2025 | $125.1M | $99.7M | $69.9M | $22.0M | $1.8M | 1.40% | 3.86% | 0.04% |
| Q3 2025 | $123.9M | $98.4M | $74.5M | $22.0M | $1.4M | 1.47% | 3.88% | 1.69% |
| Q2 2025 | $126.9M | $102.6M | $76.9M | $20.9M | $888K | 1.40% | 3.78% | 1.72% |
| Q1 2025 | $127.5M | $103.6M | $73.7M | $20.3M | $402K | 1.27% | 3.66% | 1.86% |
| Q4 2024 | $126.4M | $101.6M | $73.4M | $19.4M | $1.4M | 1.15% | 3.57% | 0.42% |
| Q3 2024 | $123.4M | $97.6M | $72.7M | $20.9M | $1.1M | 1.22% | 3.59% | 0.15% |
Loan mix (Q2 2026): real estate $29.4M · commercial $12.7M · consumer $1.7M · securities $48.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 62.9% | 33th |
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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