Winchester, TN · Cert 33739 · Citizens Cmty Bancshares Inc.
State charter, non-member · FDIC · 3 branches
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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
40
Profitability
78
Liquidity
89
Efficiency
97
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.
Winchester, TN · Cert 33739 · Citizens Cmty Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 1.40% | 1.51% | 1.86% | 1.70% | 1.73% | 1.80% | 1.73% | 1.79% | +9 bps | |
| Return on Equity | 12.81% | 13.94% | 16.87% | 15.30% | 15.15% | 15.70% | 14.30% | 14.55% | -75 bps | |
| Net Interest Margin | 3.57% | 3.56% | 3.75% | 3.80% | 3.81% | 3.83% | 3.91% | 3.99% | +19 bps | |
| Efficiency Ratio | 48.98% | 47.32% | 46.35% | 45.38% | 45.12% | 44.32% | 38.27% | 39.82% | -556 bps | |
| Non-Interest Burden | 1.60% | 1.54% | 1.52% | 1.53% | 1.54% | 1.51% | 1.30% | 1.39% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.17% | 10.24% | 4.46% | 5.42% | 3.20% | 5.01% | 2.68% | 0.00% | -542 bps | |
| Loan Growth (YoY) | 5.84% | 2.90% | -1.03% | 1.39% | 2.73% | 6.65% | 3.74% | 6.87% | +548 bps | |
| Deposit Growth (YoY) | 10.34% | 10.31% | 6.10% | 7.47% | 5.12% | 3.87% | 1.40% | -1.58% | -905 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.17% | 0.26% | 0.19% | 0.14% | 0.05% | 0.46% | 0.38% | +19 bps | |
| Net Charge-Offs / Loans | 0.59% | 0.43% | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 0.08% | +9 bps | |
| Allowance / Loans | 1.55% | 1.54% | 1.56% | 1.55% | 1.52% | 1.44% | 1.48% | 1.41% | -15 bps | |
| Allowance Coverage of NPLs | 2.3x | 9.0x | 5.9x | 8.2x | 10.7x | 27.6x | 3.2x | 3.7x | -4.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.61% | 13.17% | 13.72% | 13.67% | 13.93% | 13.76% | 14.21% | 14.58% | +92 bps | |
| Total Risk-Based Capital | 13.61% | 13.17% | 13.72% | 13.67% | 13.93% | 13.76% | 14.21% | 14.58% | +92 bps | |
| Equity / Assets | 11.43% | 10.72% | 11.33% | 11.36% | 12.12% | 11.77% | 12.42% | 12.81% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.10% | 69.70% | 69.41% | 68.68% | 70.45% | 71.57% | 71.01% | 74.58% | +590 bps | |
| Liquid Assets / Assets | 11.50% | 13.30% | 14.75% | 15.84% | 12.72% | 12.44% | 13.23% | 9.98% | -586 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 166.84% | 177.26% | 154.78% | n/a | n/a | |
Winchester, TN · Cert 33739 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Citizens Cmty Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.82%
Rank 82 of 746
Net Interest Margin
3.99%
Rank 251 of 746
Efficiency Ratio
39.82%
Rank 22 of 746
Equity / Assets
12.81%
Rank 204 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.82% | 0.72% | 1.06% | 1.45% | Beats 89% | 82 / 746 | ||
| Return on Equity | 14.21% | 6.74% | 10.51% | 13.63% | Beats 78% | 162 / 746 | ||
| Net Interest Margin | 3.99% | 3.17% | 3.68% | 4.16% | Beats 66% | 251 / 746 | ||
| Efficiency Ratio | 39.82% | 55.74% | 64.58% | 75.47% | Beats 97% | 22 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.38% | 0.09% | 0.42% | 1.07% | Beats 54% | 344 / 743 | ||
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 26% | 550 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.58% | 11.55% | 13.75% | 17.60% | Beats 57% | 321 / 746 | ||
| Total Risk-Based Capital Ratio | 14.58% | 11.71% | 14.33% | 18.43% | Beats 51% | 366 / 746 | ||
| Equity / Assets | 12.81% | 8.90% | 10.51% | 13.06% | Beats 73% | 204 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.58% | 61.31% | 78.27% | 90.78% | 44th pctl | 419 / 746 | ||
| Loans / Assets | 64.12% | 53.60% | 66.97% | 76.08% | 43rd pctl | 425 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||