Citizens State Bank of Arlington
Arlington, SD · Cert 1118 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
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 105 of 743).
- Widest gap: net interest margin trails 89% of banks under $1B in assets operating in a single state (rank 665 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.92%
Rank 453 of 746
Net Interest Margin
2.78%
Rank 665 of 746
Efficiency Ratio
60.30%
Rank 288 of 746
Equity / Assets
11.14%
Rank 312 of 746
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% | 453 / 746 | |
| Return on Equity | 8.22% | 6.74% | 10.51% | 13.63% | Beats 35% | 484 / 746 | |
| Net Interest Margin | 2.78% | 3.17% | 3.68% | 4.16% | Beats 11% | 665 / 746 | |
| Efficiency Ratio | 60.30% | 55.74% | 64.58% | 75.47% | Beats 62% | 288 / 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 | 11.74% | 11.55% | 13.75% | 17.60% | Beats 28% | 534 / 746 | |
| Total Risk-Based Capital Ratio | 11.74% | 11.71% | 14.33% | 18.43% | Beats 26% | 550 / 746 | |
| Equity / Assets | 11.14% | 8.90% | 10.51% | 13.06% | Beats 58% | 312 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 55.05% | 61.31% | 78.27% | 90.78% | 17th pctl | 618 / 746 | |
| Loans / Assets | 48.47% | 53.60% | 66.97% | 76.08% | 19th pctl | 607 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |