Mukwonago, WI · Cert 13055 · Citizens Bank Holding Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
44
Profitability
57
Liquidity
55
Efficiency
64
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Mukwonago, WI · Cert 13055 · Citizens Bank Holding Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 1.1% share · #16 of 43 inst. · $0.9B of $79.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.18% | 0.85% | 1.21% | 1.30% | 1.38% | 1.26% | 1.39% | +18 bps | |
| Return on Equity | 9.02% | 9.85% | 6.87% | 9.75% | 10.35% | 10.93% | 9.84% | 10.80% | +106 bps | |
| Net Interest Margin | 3.12% | 3.19% | 3.16% | 3.37% | 3.44% | 3.52% | 3.57% | 3.65% | +28 bps | |
| Efficiency Ratio | 59.67% | 57.19% | 60.20% | 56.10% | 55.78% | 55.03% | 56.87% | 54.85% | -125 bps | |
| Non-Interest Burden | 1.66% | 1.57% | 1.70% | 1.67% | 1.68% | 1.70% | 1.82% | 1.76% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.29% | 1.81% | 2.60% | 5.58% | 7.34% | 9.10% | 5.42% | 4.81% | -77 bps | |
| Loan Growth (YoY) | 3.90% | 0.81% | -0.20% | 1.38% | 0.40% | 5.24% | 8.81% | 4.91% | +352 bps | |
| Deposit Growth (YoY) | 5.01% | 3.25% | 3.55% | 3.37% | 5.72% | 6.59% | 3.29% | 5.76% | +240 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.47% | 2.37% | 0.42% | 0.37% | 0.38% | 0.35% | 0.38% | 0.30% | -7 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.07% | 1.38% | 0.65% | 0.46% | 0.33% | 0.00% | 0.13% | -52 bps | |
| Allowance / Loans | 1.18% | 1.36% | 1.08% | 1.12% | 1.14% | 1.16% | 1.17% | 1.20% | +8 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.6x | 2.6x | 3.0x | 3.0x | 3.3x | 3.1x | 3.9x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.56% | 13.75% | 13.62% | 13.71% | 14.05% | 14.24% | 13.45% | 13.64% | -7 bps | |
| Total Risk-Based Capital | 13.56% | 13.75% | 13.62% | 13.71% | 14.05% | 14.24% | 13.45% | 13.64% | -7 bps | |
| Equity / Assets | 12.56% | 12.30% | 12.32% | 12.61% | 12.81% | 12.85% | 12.73% | 13.07% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.36% | 76.72% | 74.55% | 76.80% | 74.42% | 75.75% | 78.54% | 76.17% | -62 bps | |
| Liquid Assets / Assets | 8.67% | 9.70% | 10.19% | 7.43% | 10.63% | 7.68% | 3.79% | 4.44% | -299 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 344% | 360% | 365% | n/a | n/a | |
Mukwonago, WI · Cert 13055 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Citizens Bank Holding Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Return on Assets
1.40%
Rank 85 of 258
Net Interest Margin
3.65%
Rank 98 of 258
Efficiency Ratio
54.92%
Rank 93 of 257
Equity / Assets
13.07%
Rank 34 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.40% | 0.93% | 1.23% | 1.54% | Beats 67% | 85 / 258 | ||
| Return on Equity | 10.70% | 9.26% | 11.84% | 14.74% | Beats 41% | 152 / 258 | ||
| Net Interest Margin | 3.65% | 3.16% | 3.49% | 3.88% | Beats 62% | 98 / 258 | ||
| Efficiency Ratio | 54.92% | 51.71% | 60.30% | 69.65% | Beats 64% | 93 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.19% | 0.46% | 0.90% | Beats 61% | 101 / 258 | ||
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.02% | 0.07% | Beats 26% | 194 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.64% | 11.41% | 12.98% | 15.12% | Beats 60% | 103 / 258 | ||
| Total Risk-Based Capital Ratio | 13.64% | 12.10% | 13.91% | 16.08% | Beats 45% | 141 / 258 | ||
| Equity / Assets | 13.07% | 9.09% | 10.24% | 11.72% | Beats 87% | 34 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.17% | 73.24% | 86.34% | 95.95% | 31st pctl | 179 / 258 | ||
| Loans / Assets | 65.00% | 63.01% | 72.27% | 78.40% | 28th pctl | 185 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||