| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.4% | +1.7 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.8 pts |
| Loan growth (YoY) | +5.6% | +5.6% | +0.0 pts |
| ROA | 1.81% | 1.24% | +0.6 pts |
| ROE | 15.9% | 11.9% | +4.1 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $336.2M | $294.5M | $221.9M | $39.4M | $3.0M | 1.81% | 4.90% | 0.39% |
| Q1 2026 | $336.8M | $295.8M | $208.8M | $38.4M | $1.7M | 2.06% | 4.76% | 0.30% |
| Q4 2025 | $335.0M | $295.7M | $193.3M | $36.9M | $5.3M | 1.67% | 4.73% | 0.14% |
| Q3 2025 | $320.7M | $282.7M | $189.0M | $35.5M | $4.1M | 1.73% | 4.76% | 0.32% |
| Q2 2025 | $317.0M | $281.0M | $210.1M | $33.5M | $2.6M | 1.66% | 4.71% | 0.70% |
| Q1 2025 | $310.9M | $276.2M | $199.9M | $32.2M | $1.4M | 1.79% | 4.62% | 0.79% |
| Q4 2024 | $315.6M | $283.0M | $185.6M | $30.2M | $4.4M | 1.40% | 4.13% | 0.12% |
| Q3 2024 | $310.0M | $277.6M | $175.4M | $30.0M | $3.3M | 1.42% | 4.04% | 0.44% |
Loan mix (Q2 2026): real estate $103.9M · commercial $30.2M · consumer $7.0M · securities $68.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 11.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.4% | 62.9% | 9th |
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 State 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 State 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 State 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 State 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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