Citizens Bank
Corvallis, OR · Cert 17809 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Citizens Bcorp
State charter, non-member · FDIC · 14 branches
Q2 2026
$823.4MAssets
$389.6MLoans
$702.5MDeposits
$87.2MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 88% of banks under $1B in assets operating in a single state (rank 93 of 752).
- Widest gap: return on assets trails 94% of banks under $1B in assets operating in a single state (rank 704 of 752).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.18%
Rank 704 of 752
Net Interest Margin
3.21%
Rank 555 of 752
Efficiency Ratio
89.79%
Rank 690 of 752
Equity / Assets
10.58%
Rank 371 of 752
Non-interest income vs. expense
Unfavorable gap of $23.3M · efficiency ratio beats 8% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.18% | 0.72% | 1.07% | 1.45% | Beats 6% | 704 / 752 | |
| Return on Equity | 1.67% | 6.78% | 10.58% | 13.65% | Beats 7% | 698 / 752 | |
| Net Interest Margin | 3.21% | 3.18% | 3.69% | 4.17% | Beats 26% | 555 / 752 | |
| Efficiency Ratio | 89.79% | 55.75% | 64.49% | 75.47% | Beats 8% | 690 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.03% | Beats 80% | 154 / 748 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 58% | 315 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 22.17% | 11.55% | 13.75% | 17.60% | Beats 88% | 93 / 752 | |
| Total Risk-Based Capital Ratio | 23.43% | 11.70% | 14.33% | 18.47% | Beats 88% | 91 / 752 | |
| Equity / Assets | 10.58% | 8.93% | 10.56% | 13.13% | Beats 51% | 371 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 55.46% | 62.23% | 78.64% | 91.26% | 17th pctl | 624 / 752 | |
| Loans / Assets | 47.32% | 54.61% | 67.41% | 76.47% | 16th pctl | 628 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |