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 | |