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 (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 | 0.47% | 0.53% | 0.78% | 0.78% | 0.83% | 0.81% | 1.15% | 1.12% | +35 bps | |
| Return on Equity | 30.94% | 34.01% | 35.64% | 31.63% | 30.70% | 27.67% | 29.64% | 28.43% | -320 bps | |
| Net Interest Margin | 2.25% | 2.31% | 2.79% | 2.81% | 2.80% | 2.83% | 2.98% | 3.00% | +19 bps | |
| Efficiency Ratio | 79.09% | 76.64% | 69.68% | 68.42% | 67.64% | 67.05% | 68.04% | 65.63% | -279 bps | |
| Non-Interest Burden | 1.64% | 1.61% | 1.73% | 1.70% | 1.66% | 1.65% | 1.79% | 1.70% | 0 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 | 0.06% | 0.07% | 0.03% | 0.03% | 0.05% | 0.05% | 0.11% | 0.06% | +3 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 | |