Citizens' Bank of Charleston
Charleston, MO · Cert 17830 · Peer group: banks under $1B in assets in MO (n=82-83) · Citizens Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$185.1MAssets
$150.6MLoans
$146.6MDeposits
$37.7MEquity
Executive Summary
- Strongest standing: return on assets outperforms 99% of banks under $1B in assets in MO (rank 1 of 83).
- Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets in MO (rank 62 of 82).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.48%
Rank 1 of 83
Net Interest Margin
4.76%
Rank 10 of 83
Efficiency Ratio
37.94%
Rank 4 of 83
Equity / Assets
20.36%
Rank 3 of 83
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 96% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.48% | 0.96% | 1.32% | 1.75% | Beats 99% | 1 / 83 | |
| Return on Equity | 12.20% | 9.66% | 12.96% | 15.76% | Beats 41% | 49 / 83 | |
| Net Interest Margin | 4.76% | 3.35% | 3.85% | 4.16% | Beats 88% | 10 / 83 | |
| Efficiency Ratio | 37.94% | 49.83% | 58.83% | 68.51% | Beats 96% | 4 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.83% | 0.08% | 0.51% | 1.01% | Beats 35% | 54 / 82 | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.06% | Beats 26% | 62 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 20.51% | 11.01% | 12.49% | 14.98% | Beats 90% | 8 / 83 | |
| Total Risk-Based Capital Ratio | 20.51% | 11.13% | 13.01% | 15.10% | Beats 88% | 10 / 83 | |
| Equity / Assets | 20.36% | 8.83% | 10.71% | 13.29% | Beats 96% | 3 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 102.71% | 69.28% | 83.22% | 91.21% | 91st pctl | 7 / 82 | |
| Loans / Assets | 81.34% | 59.34% | 71.15% | 78.36% | 84th pctl | 13 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |