Citizens State Bank of Arlington
Arlington, SD · Cert 1118 · Peer group: banks under $1B in assets operating in a single state (n=751-755)
State charter, Fed member · FED · 3 branches
Q2 2026
$153.2MAssets
$74.3MLoans
$134.9MDeposits
$17.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 108 of 751).
- Widest gap: net interest margin trails 88% of banks under $1B in assets operating in a single state (rank 668 of 755).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.92%
Rank 461 of 755
Net Interest Margin
2.78%
Rank 668 of 755
Efficiency Ratio
60.30%
Rank 287 of 755
Equity / Assets
11.14%
Rank 321 of 755
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 62% 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 | 0.92% | 0.72% | 1.06% | 1.45% | Beats 39% | 461 / 755 | |
| Return on Equity | 8.22% | 6.66% | 10.44% | 13.61% | Beats 36% | 482 / 755 | |
| Net Interest Margin | 2.78% | 3.15% | 3.68% | 4.17% | Beats 12% | 668 / 755 | |
| Efficiency Ratio | 60.30% | 55.75% | 64.78% | 75.61% | Beats 62% | 287 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.05% | Beats 100% | 108 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 11.74% | 11.56% | 13.81% | 17.74% | Beats 28% | 544 / 755 | |
| Total Risk-Based Capital Ratio | 11.74% | 11.72% | 14.46% | 18.53% | Beats 26% | 560 / 755 | |
| Equity / Assets | 11.14% | 8.93% | 10.56% | 13.13% | Beats 57% | 321 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 55.05% | 62.43% | 78.62% | 91.00% | 16th pctl | 632 / 755 | |
| Loans / Assets | 48.47% | 54.70% | 67.27% | 76.55% | 17th pctl | 624 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |