Citizens State Bank
Carleton, NE · Cert 18724 · Peer group: banks under $1B in assets in NE (n=83) · Carleton Agency Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$35.6MAssets
$31.4MLoans
$27.8MDeposits
$4.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
- Widest gap: total risk-based capital ratio trails 71% of banks under $1B in assets in NE (rank 59 of 83).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.47%
Rank 24 of 83
Net Interest Margin
4.48%
Rank 7 of 83
Efficiency Ratio
58.83%
Rank 39 of 83
Equity / Assets
11.19%
Rank 46 of 83
Non-interest income vs. expense
Unfavorable gap of $868K · efficiency ratio beats 54% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.93% | 1.20% | 1.51% | Beats 71% | 24 / 83 | | |
| Return on Equity | 13.13% | 8.04% | 10.34% | 13.11% | Beats 76% | 20 / 83 | | |
| Net Interest Margin | 4.48% | 3.25% | 3.62% | 4.02% | Beats 92% | 7 / 83 | | |
| Efficiency Ratio | 58.83% | 51.13% | 59.95% | 67.19% | Beats 54% | 39 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.19% | 0.96% | Beats 100% | 19 / 83 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 33 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 11.43% | 10.94% | 13.24% | 16.62% | Beats 34% | 55 / 83 | | |
| Total Risk-Based Capital Ratio | 11.43% | 11.04% | 13.54% | 17.63% | Beats 29% | 59 / 83 | | |
| Equity / Assets | 11.19% | 9.90% | 11.31% | 13.84% | Beats 45% | 46 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 112.95% | 71.97% | 83.15% | 92.22% | 99th pctl | 1 / 83 | | |
| Loans / Assets | 88.22% | 57.96% | 69.15% | 77.64% | 98th pctl | 2 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |