Ada, OK · Cert 19679 · Citizensada Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 1.47% | 1.57% | 1.64% | 1.33% | 1.52% | +4 bps | |
| Return on Equity | 16.41% | 16.42% | 17.52% | 14.70% | 16.42% | +1 bps | |
| Net Interest Margin | 4.30% | 4.30% | 4.41% | 4.23% | 4.16% | -13 bps | |
| Efficiency Ratio | 62.36% | 59.43% | 57.02% | 63.99% | 60.88% | -148 bps | |
| Non-Interest Burden | 2.33% | 2.21% | 2.19% | 2.47% | 2.21% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.87% | 6.56% | 4.53% | 4.23% | 8.66% | +278 bps | |
| Loan Growth (YoY) | 7.30% | 4.25% | 3.47% | 5.98% | 6.22% | -108 bps | |
| Deposit Growth (YoY) | 6.05% | 8.46% | 4.90% | 5.36% | 10.56% | +451 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.68% | +68 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.01% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 1.16% | 1.20% | 1.23% | 1.23% | 1.22% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 445.0x | 455.2x | 1.8x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.60% | 10.04% | 9.25% | 9.42% | 9.50% | -10 bps | |
| Total Risk-Based Capital | 18.92% | 20.12% | 18.80% | 9.42% | 9.50% | -941 bps | |
| Equity / Assets | 9.25% | 9.87% | 8.86% | 9.28% | 9.21% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.03% | 63.02% | 60.27% | 62.40% | 61.51% | -251 bps | |
| Liquid Assets / Assets | 16.98% | 16.94% | 20.98% | 15.63% | 17.18% | +20 bps | |
| CRE / Total Capital | n/a | 168.21% | 177.38% | 163.51% | n/a | n/a | |