Somerset, KY · Cert 2725 · Citizens Bancshares Inc.
National charter · OCC · 11 branches
Q2 2026
Market Position · Lexington-Fayette, KY · 2026 SOD (annual) · 0.1% share · #31 of 36 inst. · $0.0B of $16.0B
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 | 0.90% | 1.09% | 1.03% | 1.19% | 1.22% | 1.49% | 1.30% | 1.41% | +22 bps | |
| Return on Equity | 20.56% | 24.46% | 24.51% | 26.77% | 24.98% | 26.41% | 22.44% | 24.37% | -241 bps | |
| Net Interest Margin | 2.51% | 2.64% | 2.72% | 2.91% | 2.93% | 3.12% | 3.11% | 3.27% | +36 bps | |
| Efficiency Ratio | 64.79% | 60.10% | 62.01% | 58.26% | 57.69% | 51.97% | 56.47% | 54.86% | -340 bps | |
| Non-Interest Burden | 1.37% | 1.28% | 1.42% | 1.41% | 1.41% | 1.26% | 1.48% | 1.49% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.15% | 3.42% | 5.96% | 14.39% | 9.79% | 7.81% | 7.03% | 0.94% | -1,344 bps | |
| Loan Growth (YoY) | 3.00% | 5.63% | 5.83% | 3.84% | 4.67% | 5.05% | 7.13% | 10.98% | +714 bps | |
| Deposit Growth (YoY) | 3.25% | 6.53% | 5.83% | 6.66% | 5.13% | 2.35% | 3.74% | 2.81% | -385 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.33% | 0.26% | 0.15% | 0.15% | 0.06% | 0.13% | 0.18% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.06% | 0.01% | 0.02% | 0.03% | 0.07% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.57% | 1.54% | 1.57% | 1.58% | 1.56% | 1.51% | 1.52% | 1.47% | -11 bps | |
| Allowance Coverage of NPLs | 4.8x | 4.7x | 6.1x | 10.5x | 10.7x | 23.4x | 12.0x | 8.1x | -2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.66% | 8.62% | 8.71% | 8.70% | 8.44% | 8.67% | 8.87% | 9.02% | +32 bps | |
| Total Risk-Based Capital | 17.54% | 16.78% | 17.04% | 16.25% | 16.15% | 16.07% | 16.09% | 15.98% | -27 bps | |
| Equity / Assets | 4.96% | 3.92% | 4.50% | 4.36% | 5.40% | 5.85% | 5.71% | 5.86% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.64% | 65.21% | 63.19% | 62.55% | 63.36% | 66.93% | 65.25% | 67.52% | +497 bps | |
| Liquid Assets / Assets | 4.36% | 4.77% | 7.08% | 7.96% | 6.85% | 4.59% | 4.09% | 2.38% | -557 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 187.72% | 190.79% | 190.08% | n/a | n/a | |