Citizens Bank & Trust
Rock Port, MO · Cert 14293 · Peer group: banks under $1B in assets in MO (n=82-83)
State charter, non-member · FDIC · 2 branches
Q2 2026
$107.3MAssets
$53.0MLoans
$93.7MDeposits
$12.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of banks under $1B in assets in MO (rank 21 of 82).
- Widest gap: return on equity trails 73% of banks under $1B in assets in MO (rank 61 of 83).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.10%
Rank 54 of 83
Net Interest Margin
3.66%
Rank 52 of 83
Efficiency Ratio
65.45%
Rank 61 of 83
Equity / Assets
11.15%
Rank 33 of 83
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 28% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.96% | 1.32% | 1.75% | Beats 35% | 54 / 83 | |
| Return on Equity | 9.88% | 9.66% | 12.96% | 15.76% | Beats 27% | 61 / 83 | |
| Net Interest Margin | 3.66% | 3.35% | 3.85% | 4.16% | Beats 37% | 52 / 83 | |
| Efficiency Ratio | 65.45% | 49.83% | 58.83% | 68.51% | Beats 28% | 61 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.08% | 0.51% | 1.01% | Beats 76% | 21 / 82 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.06% | Beats 34% | 55 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 12.50% | 11.01% | 12.49% | 14.98% | Beats 51% | 41 / 83 | |
| Total Risk-Based Capital Ratio | 12.50% | 11.13% | 13.01% | 15.10% | Beats 45% | 46 / 83 | |
| Equity / Assets | 11.15% | 8.83% | 10.71% | 13.29% | Beats 60% | 33 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 56.54% | 69.28% | 83.22% | 91.21% | 10th pctl | 74 / 82 | |
| Loans / Assets | 49.40% | 59.34% | 71.15% | 78.36% | 10th pctl | 75 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |