Weston, WV · Cert 19674 · Citizens Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
18
Profitability
78
Liquidity
85
Efficiency
86
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Weston, WV · Cert 19674 · Citizens Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.41% | 1.41% | 1.53% | 1.59% | 1.52% | 1.57% | 1.61% | +8 bps | |
| Return on Equity | 13.98% | 14.60% | 13.98% | 15.18% | 15.71% | 14.99% | 15.10% | 15.37% | +19 bps | |
| Net Interest Margin | 3.51% | 3.58% | 3.84% | 3.87% | 3.86% | 3.90% | 3.98% | 4.07% | +20 bps | |
| Efficiency Ratio | 53.67% | 52.18% | 53.55% | 51.17% | 49.44% | 49.50% | 49.74% | 50.13% | -104 bps | |
| Non-Interest Burden | 1.71% | 1.70% | 1.89% | 1.79% | 1.70% | 1.72% | 1.79% | 1.85% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.15% | 6.10% | 7.05% | 6.15% | 3.73% | 9.39% | 4.90% | 4.04% | -210 bps | |
| Loan Growth (YoY) | 16.97% | 15.91% | 17.07% | 9.60% | 5.75% | 3.56% | 1.03% | -0.23% | -983 bps | |
| Deposit Growth (YoY) | 14.06% | 12.98% | 13.54% | 14.41% | 10.70% | 11.95% | 7.22% | 6.23% | -818 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.82% | 0.42% | 0.44% | 0.59% | 0.70% | 0.85% | 1.82% | 1.09% | +50 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.10% | 0.09% | 0.05% | 0.05% | 0.05% | 0.52% | 0.27% | +22 bps | |
| Allowance / Loans | 1.15% | 1.11% | 1.09% | 1.12% | 1.18% | 1.39% | 1.29% | 1.33% | +21 bps | |
| Allowance Coverage of NPLs | 1.4x | 2.6x | 2.5x | 1.9x | 1.7x | 1.6x | 0.7x | 1.2x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.39% | 10.38% | 10.73% | 10.65% | 10.61% | 10.56% | 10.87% | 10.91% | +26 bps | |
| Total Risk-Based Capital | 10.39% | 10.38% | 10.73% | 10.65% | 10.61% | 10.56% | 10.87% | 10.91% | +26 bps | |
| Equity / Assets | 9.54% | 10.12% | 9.99% | 10.11% | 10.18% | 10.27% | 10.49% | 10.62% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.56% | 87.31% | 86.70% | 86.76% | 81.73% | 80.76% | 81.70% | 81.49% | -527 bps | |
| Liquid Assets / Assets | 3.52% | 0.39% | 3.46% | 4.49% | 8.12% | 7.30% | 7.39% | 6.90% | +242 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 274% | 273% | 261% | n/a | n/a | |
Weston, WV · Cert 19674 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Citizens Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.60%
Rank 142 of 746
Net Interest Margin
4.07%
Rank 218 of 746
Efficiency Ratio
50.13%
Rank 108 of 746
Equity / Assets
10.62%
Rank 353 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.72% | 1.06% | 1.45% | Beats 81% | 142 / 746 | ||
| Return on Equity | 15.03% | 6.74% | 10.51% | 13.63% | Beats 83% | 126 / 746 | ||
| Net Interest Margin | 4.07% | 3.17% | 3.68% | 4.16% | Beats 71% | 218 / 746 | ||
| Efficiency Ratio | 50.13% | 55.74% | 64.58% | 75.47% | Beats 86% | 108 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.09% | 0.09% | 0.42% | 1.07% | Beats 25% | 561 / 743 | ||
| Net Charge-Offs / Loans | 0.14% | 0.00% | 0.01% | 0.05% | Beats 11% | 662 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.91% | 11.55% | 13.75% | 17.60% | Beats 18% | 610 / 746 | ||
| Total Risk-Based Capital Ratio | 10.91% | 11.71% | 14.33% | 18.43% | Beats 17% | 620 / 746 | ||
| Equity / Assets | 10.62% | 8.90% | 10.51% | 13.06% | Beats 53% | 353 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.49% | 61.31% | 78.27% | 90.78% | 56th pctl | 327 / 746 | ||
| Loans / Assets | 71.92% | 53.60% | 66.97% | 76.08% | 62nd pctl | 280 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||