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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.24% | 1.27% | 1.15% | 1.38% | 1.49% | 1.28% | 1.46% | +31 bps | |
| Return on Equity | 10.48% | 12.48% | 12.82% | 11.01% | 12.89% | 14.03% | 12.11% | 13.39% | +238 bps | |
| Net Interest Margin | 2.71% | 3.29% | 3.20% | 3.29% | 3.55% | 3.54% | 3.33% | 3.84% | +55 bps | |
| Efficiency Ratio | 76.08% | 65.07% | 60.63% | 64.24% | 60.21% | 65.55% | 61.07% | 60.36% | -388 bps | |
| Non-Interest Burden | 1.90% | 1.89% | 1.58% | 1.84% | 1.82% | 2.07% | 1.73% | 1.99% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.54% | -1.75% | -0.71% | 0.69% | 2.60% | 3.76% | 5.63% | 4.47% | +378 bps | |
| Loan Growth (YoY) | 4.31% | -0.44% | 0.16% | 1.22% | 5.32% | 5.05% | 8.63% | 5.82% | +460 bps | |
| Deposit Growth (YoY) | 4.65% | 4.79% | 3.18% | 4.09% | 4.18% | 2.20% | 3.13% | -0.80% | -489 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 0.43% | 0.05% | 0.12% | 0.12% | 0.11% | 2.26% | 0.07% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.06% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.13% | 1.13% | 1.13% | 1.11% | 1.09% | 1.08% | 1.04% | 1.07% | -4 bps | |
| Allowance Coverage of NPLs | 1.2x | 2.6x | 21.2x | 9.4x | 9.2x | 9.6x | 0.5x | 14.5x | +5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.16% | 11.84% | 12.26% | 12.40% | 12.37% | 11.76% | 11.97% | 12.40% | +1 bps | |
| Total Risk-Based Capital | 12.16% | 11.84% | 12.26% | 12.40% | 12.37% | 11.76% | 11.97% | 12.40% | +1 bps | |
| Equity / Assets | 10.33% | 9.61% | 10.25% | 10.64% | 10.80% | 10.49% | 10.66% | 11.12% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.42% | 77.10% | 77.95% | 79.98% | 80.29% | 79.26% | 82.11% | 85.33% | +534 bps | |
| Liquid Assets / Assets | 4.53% | 3.78% | 3.49% | 2.42% | 4.35% | 4.23% | 3.12% | 1.75% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 226% | 234% | 243% | n/a | n/a | |