Citizens Bank Company, The
Beverly, OH · Cert 10266 · Peer group: banks under $1B in assets in OH (n=68-71) · Muskingum Valley Bancshares
State charter, non-member · FDIC · 5 branches
Q2 2026
$334.6MAssets
$191.3MLoans
$291.0MDeposits
$41.8MEquity
Executive Summary
- Strongest standing: return on assets outperforms 79% of banks under $1B in assets in OH (rank 15 of 71).
- Widest gap: net charge-offs / loans trails 65% of banks under $1B in assets in OH (rank 45 of 68).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.45%
Rank 15 of 71
Net Interest Margin
3.44%
Rank 42 of 71
Efficiency Ratio
59.90%
Rank 23 of 71
Equity / Assets
12.48%
Rank 22 of 71
Non-interest income vs. expense
Unfavorable gap of $6.4M · efficiency ratio beats 69% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.62% | 1.02% | 1.39% | Beats 79% | 15 / 71 | | |
| Return on Equity | 11.58% | 5.62% | 10.07% | 13.60% | Beats 62% | 27 / 71 | | |
| Net Interest Margin | 3.44% | 2.93% | 3.56% | 4.07% | Beats 41% | 42 / 71 | | |
| Efficiency Ratio | 59.90% | 55.94% | 70.77% | 78.80% | Beats 69% | 23 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.08% | 0.27% | 0.97% | Beats 44% | 39 / 68 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.05% | Beats 35% | 45 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 13.56% | 11.18% | 13.77% | 20.34% | Beats 45% | 39 / 71 | | |
| Total Risk-Based Capital Ratio | 13.56% | 12.08% | 14.34% | 21.24% | Beats 38% | 44 / 71 | | |
| Equity / Assets | 12.48% | 8.41% | 10.74% | 13.32% | Beats 69% | 22 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.71% | 64.48% | 76.81% | 87.49% | 26th pctl | 50 / 68 | | |
| Loans / Assets | 57.15% | 55.33% | 65.58% | 72.51% | 30th pctl | 50 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |