| Metric | The Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.9% | -1.5 pts |
| Deposit growth (YoY) | +1.7% | +4.3% | -2.6 pts |
| Loan growth (YoY) | +1.6% | +5.3% | -3.7 pts |
| ROA | 2.06% | 1.28% | +0.8 pts |
| ROE | 38.5% | 12.4% | +26.0 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $804.3M | $697.5M | $310.5M | $40.8M | $8.1M | 2.06% | 4.01% | 0.01% |
| Q1 2026 | $794.7M | $693.5M | $308.9M | $41.9M | $3.8M | 1.95% | 3.97% | 0.01% |
| Q4 2025 | $773.6M | $673.0M | $304.1M | $44.4M | $16.1M | 2.07% | 3.95% | 0.00% |
| Q3 2025 | $782.5M | $682.6M | $310.9M | $42.0M | $12.3M | 2.09% | 3.92% | 0.35% |
| Q2 2025 | $777.8M | $685.8M | $305.5M | $37.7M | $8.1M | 2.08% | 3.88% | 0.35% |
| Q1 2025 | $777.3M | $683.9M | $308.2M | $35.6M | $4.1M | 2.11% | 3.89% | 0.08% |
| Q4 2024 | $792.0M | $706.1M | $305.6M | $27.3M | $8.0M | 0.99% | 3.41% | 0.07% |
| Q3 2024 | $842.0M | $691.4M | $299.0M | $35.8M | $11.5M | 1.88% | 3.29% | 0.07% |
Loan mix (Q2 2026): real estate $262.2M · commercial $48.7M · consumer $3.5M · securities $409.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 1.28% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 38.5% | 12.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.8% | 61.2% | 22th |
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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