| Metric | The Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.7% | +4.4% | -10.1 pts |
| Deposit growth (YoY) | -7.6% | +4.0% | -11.6 pts |
| Loan growth (YoY) | -1.3% | +5.6% | -6.9 pts |
| ROA | 1.12% | 1.24% | -0.1 pts |
| ROE | 12.2% | 11.9% | +0.3 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $233.3M | $209.8M | $162.4M | $22.9M | $1.4M | 1.12% | 3.78% | 0.29% |
| Q1 2026 | $250.7M | $207.3M | $169.7M | $22.1M | $566K | 0.92% | 3.67% | 0.23% |
| Q4 2025 | $241.8M | $191.0M | $173.5M | $21.7M | $2.4M | 1.03% | 3.77% | 0.32% |
| Q3 2025 | $245.7M | $223.8M | $171.9M | $20.8M | $1.7M | 0.97% | 3.73% | 0.27% |
| Q2 2025 | $247.4M | $227.1M | $164.7M | $19.4M | $1.1M | 0.91% | 3.69% | 0.40% |
| Q1 2025 | $232.9M | $213.1M | $161.1M | $18.9M | $402K | 0.70% | 3.60% | 0.15% |
| Q4 2024 | $223.5M | $205.0M | $156.8M | $18.1M | $1.9M | 0.78% | 3.31% | 0.17% |
| Q3 2024 | $231.4M | $212.0M | $158.6M | $18.7M | $1.3M | 0.74% | 3.24% | 0.03% |
Loan mix (Q2 2026): real estate $136.3M · commercial $24.4M · consumer $3.1M · securities $36.4M
| Ratio | The Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.24% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 62.9% | 58th |
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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