| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +5.2% | +4.0% | +1.2 pts |
| Loan growth (YoY) | -5.3% | +5.6% | -10.9 pts |
| ROA | 1.09% | 1.24% | -0.1 pts |
| ROE | 8.4% | 11.9% | -3.4 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $137.5M | $118.4M | $69.6M | $18.4M | $763K | 1.09% | 3.61% | 0.15% |
| Q1 2026 | $143.0M | $124.3M | $68.3M | $17.9M | $325K | 0.92% | 3.46% | 0.18% |
| Q4 2025 | $139.3M | $120.2M | $77.8M | $17.9M | $1.2M | 0.88% | 3.46% | 0.18% |
| Q3 2025 | $130.1M | $108.9M | $78.0M | $17.9M | $785K | 0.78% | 3.42% | 0.19% |
| Q2 2025 | $130.7M | $112.6M | $73.5M | $17.4M | $552K | 0.81% | 3.35% | 0.00% |
| Q1 2025 | $138.3M | $120.8M | $69.3M | $16.9M | $245K | 0.71% | 3.20% | 0.00% |
| Q4 2024 | $138.9M | $121.5M | $79.9M | $16.4M | $906K | 0.66% | 3.13% | 0.00% |
| Q3 2024 | $135.0M | $112.1M | $79.3M | $17.0M | $634K | 0.62% | 3.14% | 0.00% |
Loan mix (Q2 2026): real estate $37.7M · commercial $8.8M · consumer $1.0M · securities $48.9M
| Ratio | The Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 11.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 62.9% | 36th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $118.4M branch deposits. Biggest market: Stevens, KS, ranked 1st with 71.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stevens, KS | 1 | $118.4M | 71.40% | 1st |
Kansas: 165th with 0.10% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend up 29% in 2024. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).