The Citizens State Bank at Mohall
Total assets
$80.2M
▲ +2.0% YoY
Deposits
$69.9M
▲ +6.0% YoY
Loans
$58.8M
▲ +2.7% YoY
Offices
3
JORGENSON HOLDING CO
ROA (annualized)
1.17%
peers 0.99%
ROE (annualized)
10.38%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +3.0% | -1.0 pts |
| Deposit growth (YoY) | +6.0% | +2.5% | +3.5 pts |
| Loan growth (YoY) | +2.7% | +2.6% | +0.0 pts |
| ROA | 1.17% | 0.99% | +0.2 pts |
| ROE | 10.4% | 8.1% | +2.3 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
Profile
- Established
- 1915
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- JORGENSON HOLDING CO
- Specialization
- Agricultural Specialization
- Address
- 102 Main St W, Mohall, ND, 58761
- County
- Renville
- Metro area
- Minot, ND
- Offices
- 3
- FDIC cert #
- 8632
- RSSD ID
- 688453
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $80.2M | $69.9M | $58.8M | $9.2M | $474K | 1.17% | 3.73% | 0.38% |
| Q1 2026 | $84.1M | $74.5M | $56.4M | $9.1M | $232K | 1.13% | 3.71% | 0.36% |
| Q4 2025 | $79.5M | $65.6M | $58.4M | $9.1M | $727K | 0.95% | 3.79% | 0.54% |
| Q3 2025 | $77.2M | $64.2M | $56.1M | $8.9M | $560K | 0.98% | 3.82% | 0.51% |
| Q2 2025 | $78.6M | $65.9M | $57.2M | $8.7M | $376K | 0.99% | 3.81% | 0.51% |
| Q1 2025 | $76.0M | $67.0M | $53.2M | $8.6M | $155K | 0.83% | 3.77% | 0.54% |
| Q4 2024 | $72.6M | $63.1M | $54.0M | $8.3M | $453K | 0.63% | 3.60% | 0.81% |
| Q3 2024 | $73.7M | $61.7M | $54.5M | $8.5M | $470K | 0.87% | 3.65% | 0.70% |
Loan mix (Q2 2026): real estate $34.1M · commercial $5.7M · consumer $2.4M · securities $19.5M
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.99% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 8.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.88% | 41th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 70.8% | 46th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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