Citizens Savings Bank
Clarks Summit, PA · Cert 31184 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 6 branches
Q2 2026
$359.0MAssets
$299.2MLoans
$304.0MDeposits
$53.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 87% of banks under $1B in assets (rank 80 of 629).
- Widest gap: net interest margin trails 92% of banks under $1B in assets (rank 576 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.24%
Rank 557 of 629
Net Interest Margin
2.43%
Rank 576 of 629
Efficiency Ratio
88.44%
Rank 541 of 629
Equity / Assets
14.98%
Rank 143 of 629
Non-interest income vs. expense
Unfavorable gap of $7.6M · efficiency ratio beats 14% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.24% | 0.60% | 1.01% | 1.45% | Beats 11% | 557 / 629 | |
| Return on Equity | 1.63% | 5.38% | 9.30% | 13.28% | Beats 11% | 560 / 629 | |
| Net Interest Margin | 2.43% | 3.03% | 3.54% | 4.05% | Beats 8% | 576 / 629 | |
| Efficiency Ratio | 88.44% | 58.35% | 67.79% | 79.08% | Beats 14% | 541 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.09% | 0.46% | 1.20% | Beats 59% | 240 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 65% | 207 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 29.63% | 11.24% | 13.84% | 18.77% | Beats 87% | 80 / 629 | |
| Total Risk-Based Capital Ratio | 30.21% | 11.58% | 14.43% | 19.66% | Beats 87% | 82 / 629 | |
| Equity / Assets | 14.98% | 9.09% | 10.65% | 13.80% | Beats 77% | 143 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 98.43% | 67.24% | 80.90% | 93.48% | 84th pctl | 98 / 594 | |
| Loans / Assets | 83.36% | 53.31% | 67.71% | 78.15% | 88th pctl | 73 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |