Crosbyton, TX · Cert 3158 · Citizens Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
100
Profitability
49
Liquidity
38
Efficiency
94
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Crosbyton, TX · Cert 3158 · Citizens Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Lubbock, TX · 2026 SOD (annual) · 0.4% share · #24 of 31 inst. · $0.1B of $14.3B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.44% | 2.22% | 1.87% | 1.70% | 1.82% | 1.69% | 1.80% | 1.70% | 0 bps | |
| Return on Equity | 14.63% | 13.17% | 10.67% | 9.83% | 10.57% | 9.86% | 10.73% | 10.10% | +26 bps | |
| Net Interest Margin | 4.37% | 3.97% | 3.35% | 3.24% | 3.33% | 3.27% | 3.33% | 3.45% | +20 bps | |
| Efficiency Ratio | 31.06% | 34.65% | 37.23% | 40.80% | 37.82% | 41.18% | 36.93% | 38.08% | -272 bps | |
| Non-Interest Burden | 1.15% | 1.19% | 0.98% | 1.11% | 1.06% | 1.17% | 1.06% | 1.17% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.65% | -1.76% | 2.02% | 12.99% | 12.21% | 11.55% | 11.74% | 5.88% | -711 bps | |
| Loan Growth (YoY) | 16.31% | 11.87% | 31.25% | 14.54% | 25.84% | 53.98% | 22.76% | 37.95% | +2,340 bps | |
| Deposit Growth (YoY) | -4.50% | -4.70% | 0.36% | 13.91% | 13.25% | 12.63% | 12.93% | 5.94% | -798 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.06% | 0.03% | 0.02% | 0.00% | 0.00% | -6 bps | |
| Allowance / Loans | 0.97% | 1.24% | 1.10% | 1.00% | 0.85% | 0.95% | 1.06% | 1.06% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.21% | 17.49% | 17.54% | 16.79% | 17.06% | 16.75% | 16.73% | 16.81% | +3 bps | |
| Total Risk-Based Capital | 18.21% | 17.49% | 17.54% | 16.79% | 17.06% | 16.75% | 16.73% | 16.81% | +3 bps | |
| Equity / Assets | 17.85% | 17.53% | 17.58% | 16.82% | 17.09% | 16.80% | 16.75% | 16.86% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.71% | 30.20% | 33.66% | 33.83% | 39.68% | 41.29% | 36.59% | 44.05% | +1,022 bps | |
| Liquid Assets / Assets | 63.62% | 64.36% | 62.22% | 63.28% | 57.20% | 56.64% | 60.13% | 53.87% | -942 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 19.96% | 19.16% | 33.33% | n/a | n/a | |
Crosbyton, TX · Cert 3158 · Peer group: banks under $1B in assets in TX (n=208-211) · Citizens Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Return on Assets
1.70%
Rank 50 of 211
Net Interest Margin
3.45%
Rank 145 of 211
Efficiency Ratio
38.08%
Rank 13 of 211
Equity / Assets
16.86%
Rank 20 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.70% | 0.87% | 1.20% | 1.65% | Beats 76% | 50 / 211 | ||
| Return on Equity | 10.06% | 7.52% | 11.67% | 14.58% | Beats 41% | 125 / 211 | ||
| Net Interest Margin | 3.45% | 3.28% | 3.82% | 4.31% | Beats 31% | 145 / 211 | ||
| Efficiency Ratio | 38.08% | 53.01% | 64.18% | 73.65% | Beats 94% | 13 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.81% | 11.72% | 14.45% | 19.57% | Beats 65% | 74 / 211 | ||
| Total Risk-Based Capital Ratio | 16.81% | 11.94% | 14.78% | 20.30% | Beats 62% | 80 / 211 | ||
| Equity / Assets | 16.86% | 9.41% | 11.06% | 12.94% | Beats 91% | 20 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.05% | 45.39% | 66.56% | 82.03% | 23rd pctl | 160 / 208 | ||
| Loans / Assets | 36.35% | 39.13% | 56.90% | 70.46% | 21st pctl | 167 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||