Citizens Bank
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
$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 92 of 746).
- Widest gap: return on equity trails 93% of banks under $1B in assets operating in a single state (rank 693 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
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% | 1.06% | 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 |