Citizens Bank and Trust

Frostproof, FL · Cert 5673 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 operating in a single state (rank 9 of 258).
Widest gap: equity / assets trails 100% of banks $1B-$10B in assets operating in a single state (rank 257 of 258).
Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.11%

Rank 152 of 258

Net Interest Margin

3.00%

Rank 209 of 258

Efficiency Ratio

65.63%

Rank 176 of 257

Equity / Assets

4.11%

Rank 257 of 258

Unfavorable gap of $25.9M · efficiency ratio beats 32% of banks $1B-$10B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	1.11%	0.93%	1.23%	1.54%	Beats 41%	152 / 258	n/a
Return on Equity	27.13%	9.26%	11.84%	14.74%	Beats 97%	9 / 258	n/a
Net Interest Margin	3.00%	3.16%	3.49%	3.88%	Beats 19%	209 / 258	n/a
Efficiency Ratio	65.63%	51.71%	60.30%	69.65%	Beats 32%	176 / 257	n/a
Asset Quality
Nonperforming Loans / Loans	0.35%	0.19%	0.46%	0.90%	Beats 59%	106 / 258	n/a
Net Charge-Offs / Loans	0.04%	0.01%	0.02%	0.07%	Beats 38%	161 / 258	n/a
Capital
Tier 1 Capital Ratio	12.65%	11.41%	12.98%	15.12%	Beats 44%	145 / 258	n/a
Total Risk-Based Capital Ratio	13.71%	12.10%	13.91%	16.08%	Beats 46%	139 / 258	n/a
Equity / Assets	4.11%	9.09%	10.24%	11.72%	Beats 0%	257 / 258	n/a
Liquidity & Funding
Loans / Deposits	63.25%	73.24%	86.34%	95.95%	9th pctl	234 / 258	n/a
Loans / Assets	59.73%	63.01%	72.27%	78.40%	19th pctl	208 / 258	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution