New Haven, MO · Cert 14488 · Citizens Financial Group Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #55 of 111 inst. · $0.3B of $141.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.88% | 1.12% | 1.12% | 1.18% | 1.10% | 1.32% | 1.34% | +22 bps | |
| Return on Equity | 7.73% | 6.93% | 8.72% | 8.88% | 9.49% | 8.64% | 10.11% | 10.22% | +134 bps | |
| Net Interest Margin | 3.86% | 3.91% | 3.94% | 4.02% | 4.11% | 4.01% | 3.90% | 3.94% | -8 bps | |
| Efficiency Ratio | 69.99% | 72.27% | 67.06% | 62.81% | 65.51% | 68.65% | 60.74% | 60.38% | -243 bps | |
| Non-Interest Burden | 2.60% | 2.74% | 2.55% | 2.42% | 2.58% | 2.64% | 2.26% | 2.26% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.24% | 1.33% | 3.27% | 10.45% | 10.07% | 8.08% | 7.62% | 1.51% | -894 bps | |
| Loan Growth (YoY) | 7.32% | 3.45% | 5.01% | 11.76% | 8.74% | 7.02% | 4.33% | -2.69% | -1,446 bps | |
| Deposit Growth (YoY) | 2.12% | 0.52% | 2.60% | 11.00% | 10.56% | 7.92% | 7.45% | 0.48% | -1,053 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.46% | 1.45% | 1.41% | 2.25% | 2.24% | 2.33% | 2.36% | 2.95% | +71 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | -0.01% | 0.00% | 0.01% | +2 bps | |
| Allowance / Loans | 1.66% | 1.67% | 1.64% | 1.59% | 1.59% | 1.62% | 1.63% | 1.64% | +5 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 1.2x | 0.7x | 0.7x | 0.7x | 0.7x | 0.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.75% | 12.73% | 13.21% | 12.98% | 12.97% | 12.86% | 13.05% | 13.10% | +12 bps | |
| Total Risk-Based Capital | 13.89% | 14.57% | 14.78% | 14.53% | 14.84% | 15.53% | 16.08% | 16.37% | +184 bps | |
| Equity / Assets | 12.54% | 13.01% | 12.80% | 12.48% | 12.37% | 13.11% | 12.91% | 13.36% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.48% | 106.79% | 104.71% | 106.19% | 102.76% | 105.90% | 101.67% | 102.84% | -335 bps | |
| Liquid Assets / Assets | 3.65% | 1.92% | 2.68% | 2.39% | 4.16% | 2.25% | 4.73% | 4.73% | +234 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 431% | 413% | 406% | n/a | n/a | |