| Metric | The Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +5.5% | +3.5 pts |
| Deposit growth (YoY) | +8.5% | +5.1% | +3.4 pts |
| Loan growth (YoY) | +4.8% | +5.9% | -1.2 pts |
| ROA | 1.55% | 1.26% | +0.3 pts |
| ROE | 17.6% | 12.2% | +5.4 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.62B | $1.47B | $1.25B | $145.4M | $12.4M | 1.55% | 3.74% | 0.32% |
| Q1 2026 | $1.57B | $1.43B | $1.25B | $143.0M | $6.1M | 1.53% | 3.65% | 0.33% |
| Q4 2025 | $1.60B | $1.46B | $1.25B | $135.2M | $20.3M | 1.32% | 3.64% | 0.26% |
| Q3 2025 | $1.58B | $1.45B | $1.21B | $129.7M | $16.1M | 1.42% | 3.60% | 0.23% |
| Q2 2025 | $1.48B | $1.35B | $1.19B | $125.1M | $10.5M | 1.41% | 3.58% | 0.23% |
| Q1 2025 | $1.50B | $1.37B | $1.19B | $123.5M | $5.0M | 1.33% | 3.39% | 0.21% |
| Q4 2024 | $1.49B | $1.32B | $1.22B | $123.7M | $14.2M | 0.97% | 3.26% | 0.18% |
| Q3 2024 | $1.52B | $1.39B | $1.24B | $121.1M | $9.9M | 0.91% | 3.21% | 0.20% |
Loan mix (Q2 2026): real estate $1.04B · commercial $185.8M · consumer $10.6M · securities $103.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.26% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 12.2% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.2% | 59.0% | 19th |
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 | The Citizens 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 | The Citizens 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 | The Citizens 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 | The Citizens 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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