Citizens Bank
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
$1.2BAssets
$758.7MLoans
$996.0MDeposits
$152.5MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 87% of banks $1B-$10B in assets operating in a single state (rank 34 of 258).
- Widest gap: net charge-offs / loans trails 74% of banks $1B-$10B in assets operating in a single state (rank 194 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $20.8M · efficiency ratio beats 64% of banks $1B-$10B 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 | 1.40% | 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 |