Corvallis, OR · Cert 17809 · Citizens Bcorp
State charter, non-member · FDIC · 14 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
68
Profitability
14
Liquidity
29
Efficiency
8
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Corvallis, OR · Cert 17809 · Citizens Bcorp
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Corvallis, OR · 2026 SOD (annual) · 22.3% share · #1 of 8 inst. · $0.4B of $1.6B
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 | 0.36% | 0.37% | 0.26% | 0.27% | 0.25% | 0.31% | 0.30% | 0.18% | -10 bps | |
| Return on Equity | 4.70% | 4.63% | 2.78% | 2.86% | 2.54% | 3.11% | 2.84% | 1.67% | -119 bps | |
| Net Interest Margin | 3.06% | 3.34% | 3.30% | 3.25% | 3.16% | 3.14% | 3.20% | 3.21% | -3 bps | |
| Efficiency Ratio | 83.89% | 84.59% | 91.05% | 90.56% | 90.89% | 89.68% | 89.29% | 89.79% | -77 bps | |
| Non-Interest Burden | 2.52% | 2.78% | 2.98% | 2.91% | 2.84% | 2.79% | 2.82% | 2.85% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.70% | -20.84% | -27.11% | -9.38% | 1.75% | 3.03% | 1.49% | -1.13% | +825 bps | |
| Loan Growth (YoY) | -5.55% | -7.49% | -6.93% | -4.53% | -4.22% | -3.08% | -1.37% | 5.19% | +972 bps | |
| Deposit Growth (YoY) | -7.75% | -6.03% | -4.68% | 1.52% | -0.38% | -0.20% | -0.92% | -3.03% | -455 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.05% | 0.07% | 0.55% | 0.27% | 0.25% | 0.05% | 0.04% | -51 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.06% | 0.00% | 0.02% | 0.02% | 0.00% | 0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.59% | 1.57% | 1.59% | 1.60% | 1.68% | 1.70% | 1.69% | 1.68% | +8 bps | |
| Allowance Coverage of NPLs | 19.5x | 28.8x | 23.3x | 2.9x | 6.2x | 6.7x | 35.4x | 43.7x | +40.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.22% | 13.23% | 13.88% | 13.79% | 13.41% | 13.17% | 13.81% | 13.88% | +9 bps | |
| Total Risk-Based Capital | 23.14% | 23.10% | 23.45% | 23.94% | 24.01% | 23.87% | 24.37% | 23.43% | -52 bps | |
| Equity / Assets | 9.96% | 9.09% | 9.92% | 9.63% | 10.20% | 10.52% | 10.70% | 10.58% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.66% | 53.17% | 53.84% | 51.13% | 50.63% | 51.64% | 53.60% | 55.46% | +433 bps | |
| Liquid Assets / Assets | 3.19% | 4.16% | 4.17% | 9.60% | 11.09% | 8.04% | 7.15% | 7.26% | -234 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 168.97% | 174.52% | 176.38% | n/a | n/a | |
Corvallis, OR · Cert 17809 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Citizens Bcorp
State charter, non-member · FDIC · 14 branches
Q2 2026
Return on Assets
0.18%
Rank 697 of 746
Net Interest Margin
3.21%
Rank 548 of 746
Efficiency Ratio
89.79%
Rank 685 of 746
Equity / Assets
10.58%
Rank 359 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.18% | 0.72% | 1.06% | 1.45% | Beats 7% | 697 / 746 | ||
| Return on Equity | 1.67% | 6.74% | 10.51% | 13.63% | Beats 7% | 693 / 746 | ||
| Net Interest Margin | 3.21% | 3.17% | 3.68% | 4.16% | Beats 27% | 548 / 746 | ||
| Efficiency Ratio | 89.79% | 55.74% | 64.58% | 75.47% | Beats 8% | 685 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.07% | Beats 79% | 155 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 57% | 319 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.17% | 11.55% | 13.75% | 17.60% | Beats 88% | 92 / 746 | ||
| Total Risk-Based Capital Ratio | 23.43% | 11.71% | 14.33% | 18.43% | Beats 88% | 89 / 746 | ||
| Equity / Assets | 10.58% | 8.90% | 10.51% | 13.06% | Beats 52% | 359 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.46% | 61.31% | 78.27% | 90.78% | 18th pctl | 613 / 746 | ||
| Loans / Assets | 47.32% | 53.60% | 66.97% | 76.08% | 17th pctl | 618 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||