Lafayette, TN · Cert 1711 · Citizens Bcorp Investment Inc.
State charter, non-member · FDIC · 20 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.5% share · #25 of 62 inst. · $0.6B of $107.8B
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 | 0.98% | 1.04% | 1.05% | 1.17% | 1.22% | 1.27% | 1.30% | 1.30% | +13 bps | |
| Return on Equity | 10.86% | 11.52% | 11.56% | 12.73% | 13.09% | 13.42% | 13.09% | 13.14% | +41 bps | |
| Net Interest Margin | 2.92% | 2.94% | 3.23% | 3.40% | 3.43% | 3.44% | 3.55% | 3.54% | +14 bps | |
| Efficiency Ratio | 62.01% | 61.34% | 62.32% | 58.51% | 57.95% | 58.18% | 58.22% | 57.32% | -119 bps | |
| Non-Interest Burden | 1.58% | 1.57% | 1.79% | 1.74% | 1.74% | 1.76% | 1.81% | 1.77% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.07% | 7.63% | 7.99% | 6.87% | 5.21% | 5.47% | 4.56% | 7.31% | +44 bps | |
| Loan Growth (YoY) | 13.72% | 11.79% | 9.12% | 8.84% | 7.17% | 5.71% | 5.71% | 5.73% | -311 bps | |
| Deposit Growth (YoY) | 2.53% | 2.94% | 1.92% | 4.55% | 5.21% | 5.63% | 7.37% | 8.05% | +350 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.41% | 0.59% | 0.55% | 0.48% | 1.29% | 1.37% | 1.39% | +85 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.04% | 0.14% | 0.10% | 0.08% | 0.02% | 0.04% | -10 bps | |
| Allowance / Loans | 1.08% | 1.09% | 1.10% | 1.09% | 1.08% | 1.09% | 1.11% | 1.15% | +6 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.7x | 1.8x | 2.0x | 2.2x | 0.8x | 0.8x | 0.8x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.54% | 9.50% | 9.55% | 9.67% | 9.70% | 9.83% | 9.94% | 9.92% | +25 bps | |
| Total Risk-Based Capital | 14.27% | 14.34% | 14.43% | 14.35% | 14.47% | 14.68% | 14.98% | 14.98% | +63 bps | |
| Equity / Assets | 9.28% | 8.95% | 9.18% | 9.42% | 9.68% | 9.97% | 9.94% | 9.82% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.60% | 84.87% | 83.83% | 84.17% | 85.16% | 84.93% | 82.53% | 82.35% | -181 bps | |
| Liquid Assets / Assets | 0.29% | 0.24% | 0.72% | 0.31% | 0.68% | 1.04% | 1.92% | 2.70% | +239 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 332% | 322% | 321% | n/a | n/a | |