Citizens Bank and Trust
Frostproof, FL · Cert 5673 · Peer group: banks $1B-$10B in assets (n=313-319) · Citizens Banking Corp.
State charter, non-member · FDIC · 16 branches
Q2 2026
$1.5BAssets
$884.1MLoans
$1.4BDeposits
$60.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 97% of banks $1B-$10B in assets (rank 10 of 319).
- Widest gap: equity / assets trails 100% of banks $1B-$10B in assets (rank 318 of 319).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.11%
Rank 190 of 319
Net Interest Margin
3.00%
Rank 247 of 319
Efficiency Ratio
65.63%
Rank 224 of 319
Equity / Assets
4.11%
Rank 318 of 319
Non-interest income vs. expense
Unfavorable gap of $25.9M · efficiency ratio beats 30% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.91% | 1.21% | 1.53% | Beats 40% | 190 / 319 | |
| Return on Equity | 27.13% | 8.49% | 11.44% | 14.57% | Beats 97% | 10 / 319 | |
| Net Interest Margin | 3.00% | 3.06% | 3.43% | 3.81% | Beats 23% | 247 / 319 | |
| Efficiency Ratio | 65.63% | 51.90% | 59.57% | 67.64% | Beats 30% | 224 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.25% | 0.54% | 1.18% | Beats 67% | 105 / 313 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.04% | 0.12% | Beats 50% | 159 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 12.65% | 11.74% | 12.99% | 15.28% | Beats 43% | 181 / 319 | |
| Total Risk-Based Capital Ratio | 13.71% | 12.61% | 14.01% | 16.23% | Beats 45% | 177 / 319 | |
| Equity / Assets | 4.11% | 9.03% | 10.33% | 12.01% | Beats 0% | 318 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 63.25% | 76.76% | 88.16% | 95.43% | 9th pctl | 287 / 314 | |
| Loans / Assets | 59.73% | 65.79% | 74.05% | 79.84% | 16th pctl | 267 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |