Citizens Community Bank
Pilot Grove, MO · Cert 12694 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Bancorp II Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$142.6MAssets
$96.4MLoans
$125.9MDeposits
$16.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 63% of banks under $1B in assets operating in a single state (rank 275 of 746).
- Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets operating in a single state (rank 651 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.18%
Rank 306 of 746
Net Interest Margin
3.58%
Rank 415 of 746
Efficiency Ratio
61.35%
Rank 303 of 746
Equity / Assets
11.51%
Rank 275 of 746
Non-interest income vs. expense
Unfavorable gap of $3.0M · efficiency ratio beats 60% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.72% | 1.06% | 1.45% | Beats 59% | 306 / 746 | | |
| Return on Equity | 10.29% | 6.74% | 10.51% | 13.63% | Beats 49% | 380 / 746 | | |
| Net Interest Margin | 3.58% | 3.17% | 3.68% | 4.16% | Beats 44% | 415 / 746 | | |
| Efficiency Ratio | 61.35% | 55.74% | 64.58% | 75.47% | Beats 60% | 303 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.09% | 0.42% | 1.07% | Beats 61% | 294 / 743 | | |
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.01% | 0.05% | Beats 13% | 651 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.56% | 11.55% | 13.75% | 17.60% | Beats 25% | 558 / 746 | | |
| Total Risk-Based Capital Ratio | 11.56% | 11.71% | 14.33% | 18.43% | Beats 23% | 573 / 746 | | |
| Equity / Assets | 11.51% | 8.90% | 10.51% | 13.06% | Beats 63% | 275 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.54% | 61.31% | 78.27% | 90.78% | 47th pctl | 394 / 746 | | |
| Loans / Assets | 67.58% | 53.60% | 66.97% | 76.08% | 52nd pctl | 361 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |