Fort Atkinson, WI · Cert 2469 · Citizens Finl Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Madison, WI · 2026 SOD (annual) · 0.2% share · #37 of 41 inst. · $0.1B of $30.1B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | 1.26% | 1.32% | 1.28% | 1.37% | +16 bps | |
| Return on Equity | 11.91% | 12.23% | 12.76% | 12.11% | 12.74% | +84 bps | |
| Net Interest Margin | 3.24% | 3.29% | 3.28% | 3.33% | 3.61% | +37 bps | |
| Efficiency Ratio | 62.43% | 61.64% | 62.67% | 61.07% | 60.70% | -173 bps | |
| Non-Interest Burden | 1.71% | 1.72% | 1.77% | 1.73% | 1.87% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.69% | 2.60% | 3.76% | 5.63% | 4.47% | +378 bps | |
| Loan Growth (YoY) | 1.22% | 5.32% | 5.05% | 8.63% | 5.82% | +460 bps | |
| Deposit Growth (YoY) | 4.09% | 4.18% | 2.20% | 3.13% | -0.80% | -489 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.12% | 0.11% | 2.26% | 0.07% | -4 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.02% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.11% | 1.09% | 1.08% | 1.04% | 1.07% | -4 bps | |
| Allowance Coverage of NPLs | 9.4x | 9.2x | 9.6x | 0.5x | 14.5x | +5.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.40% | 12.37% | 11.76% | 11.97% | 12.40% | +1 bps | |
| Total Risk-Based Capital | 12.40% | 12.37% | 11.76% | 11.97% | 12.40% | +1 bps | |
| Equity / Assets | 10.64% | 10.80% | 10.49% | 10.66% | 11.12% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.98% | 80.29% | 79.26% | 82.11% | 85.33% | +534 bps | |
| Liquid Assets / Assets | 2.42% | 4.35% | 4.23% | 3.12% | 1.75% | -67 bps | |
| CRE / Total Capital | n/a | 226% | 234% | 243% | n/a | n/a | |