| Metric | Citizens Trust Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.9% | -3.3 pts |
| Deposit growth (YoY) | -0.1% | +4.3% | -4.5 pts |
| Loan growth (YoY) | -2.0% | +5.3% | -7.4 pts |
| ROA | 1.58% | 1.28% | +0.3 pts |
| ROE | 12.3% | 12.4% | -0.1 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $790.3M | $678.1M | $384.9M | $98.7M | $6.2M | 1.58% | 4.28% | 0.90% |
| Q1 2026 | $786.8M | $669.6M | $380.1M | $103.8M | $3.0M | 1.52% | 4.21% | 0.73% |
| Q4 2025 | $795.5M | $682.5M | $375.9M | $101.8M | $14.0M | 1.80% | 4.41% | 0.52% |
| Q3 2025 | $767.4M | $659.0M | $377.9M | $97.6M | $10.5M | 1.79% | 4.43% | 0.64% |
| Q2 2025 | $777.8M | $679.0M | $392.9M | $87.9M | $6.9M | 1.76% | 4.39% | 0.81% |
| Q1 2025 | $769.2M | $663.9M | $394.2M | $91.7M | $3.5M | 1.78% | 4.38% | 0.58% |
| Q4 2024 | $793.5M | $695.3M | $403.4M | $85.8M | $16.0M | 2.11% | 4.83% | 0.88% |
| Q3 2024 | $769.6M | $672.2M | $402.7M | $85.6M | $12.1M | 2.15% | 4.98% | 0.45% |
Loan mix (Q2 2026): real estate $271.7M · commercial $105.2M · consumer $13.6M · securities $291.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Citizens Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.28% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 12.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 61.2% | 29th |
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 Trust 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 Trust 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 Trust 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 Trust 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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