Frostproof, FL · Cert 5673 · Citizens Banking Corp.
State charter, non-member · FDIC · 16 branches
Q2 2026
Market Position · Lakeland-Winter Haven, FL · 2026 SOD (annual) · 7.9% share · #4 of 16 inst. · $1.3B of $16.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.72% | 0.78% | 0.77% | 0.95% | 0.74% | 1.15% | 1.10% | +33 bps | |
| Return on Equity | 25.29% | 32.72% | 35.64% | 27.75% | 29.48% | 20.44% | 29.64% | 27.36% | -39 bps | |
| Net Interest Margin | 2.29% | 2.51% | 2.79% | 2.88% | 2.90% | 2.94% | 2.98% | 3.05% | +17 bps | |
| Efficiency Ratio | 77.96% | 69.90% | 69.68% | 67.22% | 66.18% | 65.37% | 68.04% | 63.32% | -390 bps | |
| Non-Interest Burden | 1.62% | 1.55% | 1.73% | 1.70% | 1.66% | 1.65% | 1.79% | 1.62% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.80% | 1.16% | 6.36% | 4.11% | 6.63% | 7.35% | 5.71% | 6.19% | +208 bps | |
| Loan Growth (YoY) | 9.17% | 8.88% | 10.99% | 11.53% | 9.58% | 9.60% | 6.77% | 5.66% | -587 bps | |
| Deposit Growth (YoY) | 3.80% | 3.34% | 4.85% | 2.41% | 7.87% | 5.45% | 4.61% | 5.14% | +273 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.82% | 1.61% | 1.51% | 0.87% | 0.32% | 0.49% | 0.37% | 0.35% | -52 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.11% | 0.03% | 0.04% | 0.08% | 0.08% | 0.11% | 0.02% | -2 bps | |
| Allowance / Loans | 1.03% | 1.03% | 1.05% | 1.08% | 1.11% | 1.22% | 1.11% | 1.10% | +2 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.7x | 1.2x | 3.5x | 2.5x | 3.0x | 3.1x | +1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.44% | 7.51% | 7.65% | 7.65% | 7.66% | 7.72% | 7.88% | 8.04% | +39 bps | |
| Total Risk-Based Capital | 12.93% | 13.02% | 13.17% | 12.90% | 13.25% | 13.33% | 13.55% | 13.71% | +80 bps | |
| Equity / Assets | 2.61% | 1.80% | 2.57% | 2.99% | 3.45% | 3.83% | 3.91% | 4.11% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.88% | 60.23% | 59.82% | 62.94% | 60.83% | 62.60% | 61.05% | 63.25% | +31 bps | |
| Liquid Assets / Assets | 0.93% | 0.72% | 4.13% | 1.39% | 5.50% | 4.34% | 4.82% | 3.57% | +218 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 336% | 344% | 333% | n/a | n/a | |