PackageTrendsPeer
Letter portraitLegal landscape

Citizens Bank

Butler, MO · Cert 22601 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Amsterdam Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$188.1MAssets
$170.4MLoans
$171.1MDeposits
$14.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks under $1B in assets in the Kansas City, MO-KS area (rank 2 of 40).
  • Widest gap: tier 1 capital ratio trails 90% of banks under $1B in assets in the Kansas City, MO-KS area (rank 36 of 40).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.91%

Rank 9 of 40

Net Interest Margin

5.93%

Rank 2 of 40

Efficiency Ratio

60.65%

Rank 24 of 40

Equity / Assets

7.86%

Rank 34 of 40

Non-interest income vs. expense

$0.6M$7.3MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 43% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 60.65%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.91%1.02%1.39%1.86%Beats 78%9 / 40
Return on Equity24.34%10.74%14.78%21.32%Beats 90%4 / 40
Net Interest Margin5.93%3.33%4.05%4.63%Beats 95%2 / 40
Efficiency Ratio60.65%51.70%58.10%69.29%Beats 43%24 / 40
Asset Quality
Nonperforming Loans / Loans0.20%0.05%0.20%1.11%Beats 51%20 / 39
Net Charge-Offs / Loans0.01%n/a0.00%0.05%Beats 44%23 / 39
Capital
Tier 1 Capital Ratio9.69%11.32%12.27%16.94%Beats 10%36 / 40
Total Risk-Based Capital Ratio10.90%11.32%13.09%17.63%Beats 23%31 / 40
Equity / Assets7.86%8.41%10.10%12.34%Beats 15%34 / 40
Liquidity & Funding
Loans / Deposits99.59%73.50%85.60%94.85%83rd pctl7 / 40
Loans / Assets90.61%62.75%69.87%79.23%98th pctl1 / 40
Brokered Deposits / Depositsn/aNot reported for this institution