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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.19% | 0.48% | 0.30% | 0.05% | -23 bps | |
| Return on Equity | 2.92% | 1.95% | 4.64% | 2.84% | 0.51% | -241 bps | |
| Net Interest Margin | 3.23% | 3.18% | 3.25% | 3.20% | 3.22% | -2 bps | |
| Efficiency Ratio | 90.08% | 91.55% | 86.18% | 89.29% | 90.29% | +21 bps | |
| Non-Interest Burden | 2.88% | 2.88% | 2.76% | 2.82% | 2.87% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.38% | 1.75% | 3.03% | 1.49% | -1.13% | +825 bps | |
| Loan Growth (YoY) | -4.53% | -4.22% | -3.08% | -1.37% | 5.19% | +972 bps | |
| Deposit Growth (YoY) | 1.52% | -0.38% | -0.20% | -0.92% | -3.03% | -455 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.55% | 0.27% | 0.25% | 0.05% | 0.04% | -51 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | -0.05% | 0.01% | -0.01% | -5 bps | |
| Allowance / Loans | 1.60% | 1.68% | 1.70% | 1.69% | 1.68% | +8 bps | |
| Allowance Coverage of NPLs | 2.9x | 6.2x | 6.7x | 35.4x | 43.7x | +40.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.79% | 13.41% | 13.17% | 13.81% | 13.88% | +9 bps | |
| Total Risk-Based Capital | 23.94% | 24.01% | 23.87% | 24.37% | 23.43% | -52 bps | |
| Equity / Assets | 9.63% | 10.20% | 10.52% | 10.70% | 10.58% | +96 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.13% | 50.63% | 51.64% | 53.60% | 55.46% | +433 bps | |
| Liquid Assets / Assets | 9.60% | 11.09% | 8.04% | 7.15% | 7.26% | -234 bps | |
| CRE / Total Capital | n/a | 168.97% | 174.52% | 176.38% | n/a | n/a | |