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 | |