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 | |