Citizens Deposit Bank of Arlington, Inc.
Arlington, KY · Cert 16852 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Carlisle Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$348.2MAssets
$249.5MLoans
$287.8MDeposits
$41.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 74% of banks under $1B in assets operating in a single state (rank 195 of 746).
- Widest gap: nonperforming loans / loans trails 71% of banks under $1B in assets operating in a single state (rank 531 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.25%
Rank 269 of 746
Net Interest Margin
3.37%
Rank 498 of 746
Efficiency Ratio
56.08%
Rank 195 of 746
Equity / Assets
11.82%
Rank 248 of 746
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 74% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.72% | 1.06% | 1.45% | Beats 64% | 269 / 746 | | |
| Return on Equity | 10.57% | 6.74% | 10.51% | 13.63% | Beats 50% | 370 / 746 | | |
| Net Interest Margin | 3.37% | 3.17% | 3.68% | 4.16% | Beats 33% | 498 / 746 | | |
| Efficiency Ratio | 56.08% | 55.74% | 64.58% | 75.47% | Beats 74% | 195 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.94% | 0.09% | 0.42% | 1.07% | Beats 29% | 531 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 48% | 390 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.66% | 11.55% | 13.75% | 17.60% | Beats 49% | 379 / 746 | | |
| Total Risk-Based Capital Ratio | 13.66% | 11.71% | 14.33% | 18.43% | Beats 44% | 420 / 746 | | |
| Equity / Assets | 11.82% | 8.90% | 10.51% | 13.06% | Beats 67% | 248 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.71% | 61.31% | 78.27% | 90.78% | 68th pctl | 242 / 746 | | |
| Loans / Assets | 71.66% | 53.60% | 66.97% | 76.08% | 61st pctl | 288 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |