Citizens Community Bank
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
$531.0MAssets
$281.0MLoans
$446.1MDeposits
$47.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 35% of banks under $1B in assets in the St. Louis, MO-IL area (rank 27 of 40).
- Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets in the St. Louis, MO-IL area (rank 37 of 38).
- Overall: at or above the peer median on 0 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $8.7M · efficiency ratio beats 35% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |