| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.9 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.0 pts |
| Loan growth (YoY) | -4.8% | +5.6% | -10.3 pts |
| ROA | 1.69% | 1.24% | +0.5 pts |
| ROE | 13.2% | 11.9% | +1.3 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $450.6M | $382.3M | $220.9M | $58.6M | $3.8M | 1.69% | 4.24% | 0.00% |
| Q1 2026 | $452.7M | $386.6M | $220.6M | $56.3M | $1.9M | 1.75% | 4.11% | 0.01% |
| Q4 2025 | $436.0M | $369.7M | $222.4M | $57.0M | $6.3M | 1.44% | 4.13% | 0.10% |
| Q3 2025 | $441.1M | $378.1M | $226.3M | $54.5M | $4.2M | 1.28% | 4.10% | 0.08% |
| Q2 2025 | $424.2M | $364.3M | $231.9M | $51.6M | $2.6M | 1.22% | 4.09% | 0.12% |
| Q1 2025 | $438.4M | $380.0M | $230.3M | $50.0M | $1.4M | 1.25% | 4.10% | 0.09% |
| Q4 2024 | $434.3M | $368.2M | $240.1M | $48.5M | $6.8M | 1.56% | 4.08% | 0.07% |
| Q3 2024 | $431.0M | $370.1M | $226.9M | $50.4M | $4.9M | 1.51% | 4.08% | 0.04% |
Loan mix (Q2 2026): real estate $152.3M · commercial $12.0M · consumer $2.4M · securities $182.9M
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 | 1.69% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 62.9% | 42th |
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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