| Metric | The Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.4% | -1.6 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +12.0% | +5.6% | +6.4 pts |
| ROA | 1.73% | 1.24% | +0.5 pts |
| ROE | 15.3% | 11.9% | +3.5 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $220.4M | $193.7M | $165.1M | $25.5M | $1.9M | 1.73% | 3.89% | 0.26% |
| Q1 2026 | $224.0M | $198.4M | $160.6M | $24.9M | $829K | 1.49% | 3.86% | 0.25% |
| Q4 2025 | $221.3M | $194.5M | $158.3M | $24.8M | $3.0M | 1.44% | 3.64% | 0.10% |
| Q3 2025 | $215.4M | $190.9M | $148.9M | $23.5M | $2.1M | 1.33% | 3.54% | 0.06% |
| Q2 2025 | $214.4M | $190.8M | $147.4M | $22.4M | $1.3M | 1.28% | 3.39% | 0.05% |
| Q1 2025 | $204.8M | $182.3M | $142.9M | $21.5M | $535K | 1.06% | 3.30% | 0.03% |
| Q4 2024 | $197.1M | $175.7M | $140.9M | $20.5M | $1.9M | 0.99% | 3.12% | 0.07% |
| Q3 2024 | $200.9M | $166.9M | $145.9M | $21.4M | $1.4M | 0.94% | 3.09% | 0.21% |
Loan mix (Q2 2026): real estate $126.5M · commercial $18.3M · consumer $3.8M · securities $43.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 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 | 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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