Citizens Community Bank
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
$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 22 of 746).
- Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets operating in a single state (rank 550 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
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% | 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 |