Citizens Savings Bank
Bogalusa, LA · Cert 30270 · Peer group: banks under $1B in assets (n=581-629)
SI · FDIC · 5 branches
Q2 2026
$329.1MAssets
$255.0MLoans
$282.4MDeposits
$44.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 89% of banks under $1B in assets (rank 67 of 629).
- Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets (rank 511 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.27%
Rank 217 of 629
Net Interest Margin
4.49%
Rank 67 of 629
Efficiency Ratio
67.31%
Rank 308 of 629
Equity / Assets
13.62%
Rank 165 of 629
Non-interest income vs. expense
Unfavorable gap of $9.5M · efficiency ratio beats 51% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.60% | 1.01% | 1.45% | Beats 66% | 217 / 629 | | |
| Return on Equity | 9.30% | 5.38% | 9.30% | 13.28% | Beats 50% | 316 / 629 | | |
| Net Interest Margin | 4.49% | 3.03% | 3.54% | 4.05% | Beats 89% | 67 / 629 | | |
| Efficiency Ratio | 67.31% | 58.35% | 67.79% | 79.08% | Beats 51% | 308 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.09% | 0.46% | 1.20% | Beats 37% | 366 / 581 | | |
| Net Charge-Offs / Loans | 0.13% | n/a | 0.01% | 0.06% | Beats 12% | 511 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 14.33% | 11.24% | 13.84% | 18.77% | Beats 54% | 289 / 629 | | |
| Total Risk-Based Capital Ratio | 14.33% | 11.58% | 14.43% | 19.66% | Beats 49% | 320 / 629 | | |
| Equity / Assets | 13.62% | 9.09% | 10.65% | 13.80% | Beats 74% | 165 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.31% | 67.24% | 80.90% | 93.48% | 70th pctl | 178 / 594 | | |
| Loans / Assets | 77.48% | 53.31% | 67.71% | 78.15% | 73rd pctl | 169 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |