Citizens Community Bank
Winchester, TN · Cert 33739 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Citizens Cmty Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$352.6MAssets
$226.1MLoans
$303.2MDeposits
$45.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets operating in a single state (rank 26 of 755).
- Widest gap: net charge-offs / loans trails 73% of banks under $1B in assets operating in a single state (rank 548 of 751).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.82%
Rank 86 of 755
Net Interest Margin
3.99%
Rank 253 of 755
Efficiency Ratio
39.82%
Rank 26 of 755
Equity / Assets
12.81%
Rank 211 of 755
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 97% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.82% | 0.72% | 1.06% | 1.45% | Beats 89% | 86 / 755 | |
| Return on Equity | 14.21% | 6.66% | 10.44% | 13.61% | Beats 78% | 163 / 755 | |
| Net Interest Margin | 3.99% | 3.15% | 3.68% | 4.17% | Beats 66% | 253 / 755 | |
| Efficiency Ratio | 39.82% | 55.75% | 64.78% | 75.61% | Beats 97% | 26 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.09% | 0.42% | 1.05% | Beats 53% | 355 / 751 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 27% | 548 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 14.58% | 11.56% | 13.81% | 17.74% | Beats 57% | 327 / 755 | |
| Total Risk-Based Capital Ratio | 14.58% | 11.72% | 14.46% | 18.53% | Beats 51% | 372 / 755 | |
| Equity / Assets | 12.81% | 8.93% | 10.56% | 13.13% | Beats 72% | 211 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 74.58% | 62.43% | 78.62% | 91.00% | 43rd pctl | 434 / 755 | |
| Loans / Assets | 64.12% | 54.70% | 67.27% | 76.55% | 42nd pctl | 435 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |