Mascoutah, IL · Cert 33753 · Citizens Bcorp Inc.
State charter, non-member · FDIC · 4 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 in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
7
Profitability
5
Liquidity
56
Efficiency
35
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.
Mascoutah, IL · Cert 33753 · Citizens Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.3% share · #46 of 111 inst. · $0.4B of $141.7B
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 | 0.56% | 0.59% | 0.82% | 0.71% | 0.78% | 0.69% | 0.62% | -0.30% | -101 bps | |
| Return on Equity | 6.44% | 6.78% | 9.12% | 7.79% | 8.50% | 7.47% | 6.72% | -3.33% | -1,113 bps | |
| Net Interest Margin | 2.10% | 2.17% | 2.49% | 2.38% | 2.43% | 2.42% | 2.40% | 2.35% | -3 bps | |
| Efficiency Ratio | 65.71% | 64.97% | 58.39% | 62.61% | 60.30% | 60.65% | 62.53% | 69.95% | +734 bps | |
| Non-Interest Burden | 1.29% | 1.31% | 1.35% | 1.40% | 1.37% | 1.38% | 1.42% | 1.60% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.39% | 0.77% | 1.30% | -1.13% | 2.67% | 4.76% | 6.27% | 6.85% | +798 bps | |
| Loan Growth (YoY) | 0.38% | -3.32% | -2.68% | -3.71% | 4.07% | 4.95% | -0.02% | 1.44% | +515 bps | |
| Deposit Growth (YoY) | 5.08% | 7.41% | 16.06% | 11.00% | 10.28% | 13.76% | 5.58% | 6.79% | -421 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.83% | 0.74% | 1.11% | 3.86% | 3.72% | 5.56% | 7.31% | 5.81% | +194 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.06% | 0.05% | 0.06% | 0.07% | 1.81% | 0.87% | +82 bps | |
| Allowance / Loans | 1.82% | 1.79% | 1.82% | 1.85% | 1.83% | 2.05% | 1.79% | 2.84% | +99 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.4x | 1.6x | 0.5x | 0.5x | 0.4x | 0.2x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.40% | 10.54% | 10.76% | 10.55% | 10.62% | 10.47% | 10.35% | 9.83% | -72 bps | |
| Total Risk-Based Capital | 10.40% | 10.54% | 10.76% | 10.55% | 10.62% | 10.47% | 10.35% | 9.83% | -72 bps | |
| Equity / Assets | 9.28% | 8.69% | 9.18% | 9.40% | 9.41% | 9.24% | 9.10% | 8.86% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.04% | 70.55% | 64.71% | 66.33% | 67.04% | 65.08% | 61.28% | 63.00% | -333 bps | |
| Liquid Assets / Assets | 21.63% | 23.37% | 22.63% | 22.34% | 22.62% | 25.31% | 23.97% | 22.19% | -15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 312% | 320% | 300% | n/a | n/a | |
Mascoutah, IL · Cert 33753 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Citizens Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
-0.30%
Rank 38 of 40
Net Interest Margin
2.35%
Rank 38 of 40
Efficiency Ratio
69.95%
Rank 27 of 40
Equity / Assets
8.86%
Rank 28 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.30% | 0.64% | 1.04% | 1.26% | Beats 5% | 38 / 40 | ||
| Return on Equity | -3.43% | 6.25% | 9.97% | 13.41% | Beats 5% | 38 / 40 | ||
| Net Interest Margin | 2.35% | 3.09% | 3.22% | 3.62% | Beats 5% | 38 / 40 | ||
| Efficiency Ratio | 69.95% | 57.08% | 64.37% | 75.86% | Beats 35% | 27 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.81% | 0.14% | 0.62% | 1.92% | Beats 8% | 36 / 38 | ||
| Net Charge-Offs / Loans | 0.45% | 0.00% | 0.01% | 0.09% | Beats 5% | 37 / 38 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.83% | 10.29% | 12.88% | 15.77% | Beats 13% | 35 / 40 | ||
| Total Risk-Based Capital Ratio | 9.83% | 10.64% | 13.30% | 17.01% | Beats 10% | 36 / 40 | ||
| Equity / Assets | 8.86% | 8.59% | 9.46% | 12.46% | Beats 30% | 28 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.00% | 66.12% | 79.48% | 94.60% | 23rd pctl | 31 / 40 | ||
| Loans / Assets | 52.92% | 54.69% | 68.52% | 77.46% | 20th pctl | 32 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||