Citizens Savings Bank
Anamosa, IA · Cert 10125 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Cmty Bancshares Corp.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (3 in holding)
Q2 2026
$165.9MAssets
$69.4MLoans
$151.3MDeposits
$12.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: equity / assets trails 88% of banks under $1B in assets operating in a single state (rank 660 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.83%
Rank 498 of 746
Net Interest Margin
2.81%
Rank 659 of 746
Efficiency Ratio
63.90%
Rank 357 of 746
Equity / Assets
7.79%
Rank 660 of 746
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.72% | 1.06% | 1.45% | Beats 33% | 498 / 746 | |
| Return on Equity | 10.71% | 6.74% | 10.51% | 13.63% | Beats 52% | 357 / 746 | |
| Net Interest Margin | 2.81% | 3.17% | 3.68% | 4.16% | Beats 12% | 659 / 746 | |
| Efficiency Ratio | 63.90% | 55.74% | 64.58% | 75.47% | Beats 52% | 357 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 17.57% | 11.55% | 13.75% | 17.60% | Beats 75% | 188 / 746 | |
| Total Risk-Based Capital Ratio | 18.36% | 11.71% | 14.33% | 18.43% | Beats 75% | 188 / 746 | |
| Equity / Assets | 7.79% | 8.90% | 10.51% | 13.06% | Beats 12% | 660 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 45.84% | 61.31% | 78.27% | 90.78% | 9th pctl | 679 / 746 | |
| Loans / Assets | 41.82% | 53.60% | 66.97% | 76.08% | 12th pctl | 660 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |