Citizens Bank, The
Batesville, AR · Cert 17211 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Citizens Bancshares Batesville
State charter, Fed member · FED · 16 branches
Q2 2026
$1.6BAssets
$1.3BLoans
$1.5BDeposits
$145.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 88% of banks $1B-$10B in assets operating in a single state (rank 30 of 258).
- Widest gap: tier 1 capital ratio trails 88% of banks $1B-$10B in assets operating in a single state (rank 226 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.54%
Rank 65 of 258
Net Interest Margin
3.30%
Rank 170 of 258
Efficiency Ratio
48.24%
Rank 43 of 257
Equity / Assets
8.99%
Rank 200 of 258
Non-interest income vs. expense
Unfavorable gap of $22.5M · efficiency ratio beats 84% of banks $1B-$10B 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 | 1.54% | 0.93% | 1.23% | 1.54% | Beats 75% | 65 / 258 | | |
| Return on Equity | 17.07% | 9.26% | 11.84% | 14.74% | Beats 88% | 30 / 258 | | |
| Net Interest Margin | 3.30% | 3.16% | 3.49% | 3.88% | Beats 34% | 170 / 258 | | |
| Efficiency Ratio | 48.24% | 51.71% | 60.30% | 69.65% | Beats 84% | 43 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.19% | 0.46% | 0.90% | Beats 58% | 110 / 258 | | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.02% | 0.07% | Beats 30% | 181 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 10.36% | 11.41% | 12.98% | 15.12% | Beats 12% | 226 / 258 | | |
| Total Risk-Based Capital Ratio | 11.61% | 12.10% | 13.91% | 16.08% | Beats 20% | 206 / 258 | | |
| Equity / Assets | 8.99% | 9.09% | 10.24% | 11.72% | Beats 22% | 200 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.49% | 73.24% | 86.34% | 95.95% | 51st pctl | 126 / 258 | | |
| Loans / Assets | 78.40% | 63.01% | 72.27% | 78.40% | 75th pctl | 65 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |