| Metric | The Citizens Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | -0.7% | +4.0% | -4.6 pts |
| Loan growth (YoY) | +5.8% | +5.6% | +0.2 pts |
| ROA | 2.15% | 1.24% | +0.9 pts |
| ROE | 26.3% | 11.9% | +14.5 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $228.6M | $181.9M | $150.7M | $19.0M | $2.5M | 2.15% | 4.84% | 0.04% |
| Q1 2026 | $227.9M | $179.3M | $146.8M | $19.1M | $1.3M | 2.19% | 4.81% | 0.04% |
| Q4 2025 | $232.0M | $176.5M | $145.8M | $18.1M | $4.4M | 2.00% | 4.80% | 0.02% |
| Q3 2025 | $225.2M | $176.7M | $144.6M | $17.4M | $3.2M | 1.93% | 4.76% | 0.02% |
| Q2 2025 | $226.2M | $183.1M | $142.4M | $16.4M | $2.0M | 1.80% | 4.67% | 0.21% |
| Q1 2025 | $225.3M | $177.9M | $139.2M | $15.9M | $926K | 1.73% | 4.59% | 0.22% |
| Q4 2024 | $202.7M | $175.1M | $139.2M | $14.5M | $2.5M | 1.26% | 4.73% | 0.05% |
| Q3 2024 | $204.2M | $175.0M | $138.4M | $15.5M | $2.4M | 1.59% | 4.70% | 0.05% |
Loan mix (Q2 2026): real estate $132.1M · commercial $9.9M · consumer $8.9M · securities $41.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Citizens Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.15% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 26.3% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 62.9% | 39th |
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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