Plaquemine, LA · Cert 1376 · Citizens Bcorp Inc.
State charter, non-member · FDIC · 7 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 under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
27
Profitability
60
Liquidity
61
Efficiency
61
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.
Plaquemine, LA · Cert 1376 · Citizens Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Baton Rouge, LA · 2026 SOD (annual) · 1.5% share · #9 of 40 inst. · $0.4B of $26.7B
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 | 0.57% | 0.59% | 0.79% | 0.69% | 0.76% | 0.79% | 1.04% | 1.09% | +40 bps | |
| Return on Equity | 5.48% | 5.70% | 7.35% | 6.33% | 6.90% | 7.22% | 9.22% | 9.64% | +331 bps | |
| Net Interest Margin | 3.32% | 3.33% | 3.80% | 3.78% | 3.75% | 3.70% | 3.99% | 4.04% | +26 bps | |
| Efficiency Ratio | 77.30% | 77.10% | 70.96% | 73.31% | 72.45% | 71.14% | 65.78% | 64.15% | -916 bps | |
| Non-Interest Burden | 2.50% | 2.49% | 2.61% | 2.69% | 2.63% | 2.54% | 2.51% | 2.47% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.53% | -0.41% | 0.65% | -0.02% | 2.90% | 2.42% | 5.70% | 7.01% | +703 bps | |
| Loan Growth (YoY) | 13.75% | 6.34% | 6.84% | 8.19% | 6.46% | 7.01% | 4.61% | 5.55% | -264 bps | |
| Deposit Growth (YoY) | 10.06% | 0.95% | 0.27% | 0.28% | -5.29% | 1.78% | 4.97% | 5.83% | +556 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.13% | 0.81% | 0.96% | 1.99% | 1.01% | 0.92% | 0.71% | 0.82% | -117 bps | |
| Net Charge-Offs / Loans | 0.46% | 0.35% | 0.08% | 0.05% | 1.04% | 0.77% | 0.14% | 0.09% | +3 bps | |
| Allowance / Loans | 1.60% | 1.66% | 1.65% | 1.56% | 0.94% | 1.02% | 1.02% | 1.01% | -55 bps | |
| Allowance Coverage of NPLs | 1.4x | 2.1x | 1.7x | 0.8x | 0.9x | 1.1x | 1.4x | 1.2x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.20% | 11.15% | 11.44% | 11.71% | 11.76% | 11.68% | 11.61% | 11.93% | +22 bps | |
| Total Risk-Based Capital | 14.62% | 15.17% | 14.93% | 14.78% | 14.21% | 14.83% | 15.09% | 14.94% | +16 bps | |
| Equity / Assets | 10.71% | 10.36% | 11.25% | 11.34% | 11.16% | 10.97% | 11.52% | 11.57% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.99% | 77.34% | 85.58% | 89.80% | 93.29% | 81.31% | 85.29% | 89.57% | -24 bps | |
| Liquid Assets / Assets | 11.81% | 19.48% | 11.10% | 9.28% | 10.85% | 17.12% | 14.52% | 13.15% | +387 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 403% | 390% | 388% | n/a | n/a | |
Plaquemine, LA · Cert 1376 · Peer group: banks under $1B in assets (n=581-629) · Citizens Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.09%
Rank 285 of 629
Net Interest Margin
4.04%
Rank 163 of 629
Efficiency Ratio
64.15%
Rank 248 of 629
Equity / Assets
11.57%
Rank 256 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.09% | 0.60% | 1.01% | 1.45% | Beats 55% | 285 / 629 | n/a | |
| Return on Equity | 9.42% | 5.38% | 9.30% | 13.28% | Beats 50% | 312 / 629 | n/a | |
| Net Interest Margin | 4.04% | 3.03% | 3.54% | 4.05% | Beats 74% | 163 / 629 | n/a | |
| Efficiency Ratio | 64.15% | 58.35% | 67.79% | 79.08% | Beats 61% | 248 / 629 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.82% | 0.09% | 0.46% | 1.20% | Beats 35% | 376 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 19% | 470 / 581 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.97% | 11.24% | 13.84% | 18.77% | Beats 51% | 306 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 14.94% | 11.58% | 14.43% | 19.66% | Beats 53% | 295 / 629 | n/a | |
| Equity / Assets | 11.57% | 9.09% | 10.65% | 13.80% | Beats 59% | 256 / 629 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.57% | 67.24% | 80.90% | 93.48% | 68th pctl | 192 / 594 | n/a | |
| Loans / Assets | 75.52% | 53.31% | 67.71% | 78.15% | 68th pctl | 204 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||