Citizens Bank
New Haven, MO · Cert 14488 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Citizens Financial Group Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$357.4MAssets
$314.0MLoans
$305.4MDeposits
$47.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 88% of banks under $1B in assets in the St. Louis, MO-IL area (rank 5 of 40).
- Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets in the St. Louis, MO-IL area (rank 34 of 38).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.33%
Rank 9 of 40
Net Interest Margin
3.89%
Rank 5 of 40
Efficiency Ratio
60.56%
Rank 14 of 40
Equity / Assets
13.36%
Rank 9 of 40
Non-interest income vs. expense
Unfavorable gap of $8.2M · efficiency ratio beats 67% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.64% | 1.04% | 1.26% | Beats 78% | 9 / 40 | |
| Return on Equity | 9.97% | 6.25% | 9.97% | 13.41% | Beats 50% | 20 / 40 | |
| Net Interest Margin | 3.89% | 3.09% | 3.22% | 3.62% | Beats 88% | 5 / 40 | |
| Efficiency Ratio | 60.56% | 57.08% | 64.37% | 75.86% | Beats 67% | 14 / 40 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.95% | 0.14% | 0.62% | 1.92% | Beats 13% | 34 / 38 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.09% | Beats 68% | 13 / 38 | |
| Capital |
| Tier 1 Capital Ratio | 15.12% | 10.29% | 12.88% | 15.77% | Beats 68% | 13 / 40 | |
| Total Risk-Based Capital Ratio | 16.37% | 10.64% | 13.30% | 17.01% | Beats 68% | 13 / 40 | |
| Equity / Assets | 13.36% | 8.59% | 9.46% | 12.46% | Beats 78% | 9 / 40 | |
| Liquidity & Funding |
| Loans / Deposits | 102.84% | 66.12% | 79.48% | 94.60% | 93rd pctl | 3 / 40 | |
| Loans / Assets | 87.85% | 54.69% | 68.52% | 77.46% | 95th pctl | 2 / 40 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |