Loyal, WI · Cert 6186 · Citizens Bancshares Loyal Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
59
Profitability
40
Liquidity
46
Efficiency
51
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Loyal, WI · Cert 6186 · Citizens Bancshares Loyal Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Wausau, WI · 2026 SOD (annual) · 0.8% share · #13 of 17 inst. · $0.0B of $5.4B
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 | 0.74% | 0.78% | 0.82% | 0.90% | 0.97% | 0.99% | 1.17% | 1.16% | +27 bps | |
| Return on Equity | 8.20% | 8.71% | 9.26% | 10.12% | 10.69% | 10.69% | 11.68% | 11.56% | +144 bps | |
| Net Interest Margin | 2.31% | 2.28% | 2.49% | 2.57% | 2.62% | 2.77% | 3.02% | 3.07% | +50 bps | |
| Efficiency Ratio | 74.07% | 72.68% | 70.68% | 67.29% | 64.92% | 64.91% | 62.61% | 61.89% | -540 bps | |
| Non-Interest Burden | 1.60% | 1.55% | 1.64% | 1.60% | 1.57% | 1.66% | 1.74% | 1.74% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.67% | 5.64% | 7.33% | 10.47% | -0.66% | 2.06% | 1.07% | -1.62% | -1,209 bps | |
| Loan Growth (YoY) | 10.93% | 10.96% | 8.86% | 2.70% | 3.45% | 4.42% | 1.41% | 6.19% | +349 bps | |
| Deposit Growth (YoY) | 9.10% | 6.52% | 8.39% | 11.46% | -1.97% | 0.56% | -0.38% | -1.80% | -1,326 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.10% | 0.02% | 0.02% | 0.02% | 0.00% | -10 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.11% | 0.00% | 0.04% | 0.04% | 0.04% | 0.00% | 0.01% | -3 bps | |
| Allowance / Loans | 1.09% | 1.04% | 1.04% | 0.97% | 1.06% | 1.06% | 1.13% | 1.09% | +12 bps | |
| Allowance Coverage of NPLs | 606.7x | n/a | 86.0x | 9.9x | 43.5x | 49.7x | 53.5x | 658.7x | +648.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.08% | 10.75% | 10.97% | 10.82% | 10.94% | 11.33% | 11.42% | 11.48% | +65 bps | |
| Total Risk-Based Capital | 16.90% | 16.38% | 16.58% | 16.77% | 17.84% | 17.63% | 18.40% | 11.48% | -530 bps | |
| Equity / Assets | 8.96% | 8.72% | 8.95% | 8.90% | 9.87% | 9.92% | 10.06% | 10.22% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.08% | 70.26% | 71.09% | 67.22% | 71.85% | 72.96% | 72.38% | 72.68% | +547 bps | |
| Liquid Assets / Assets | 6.91% | 4.90% | 5.64% | 10.81% | 7.63% | 7.05% | 8.24% | 6.71% | -410 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 158.34% | 168.70% | 151.64% | n/a | n/a | |
Loyal, WI · Cert 6186 · Peer group: banks under $1B in assets in WI (n=110-113) · Citizens Bancshares Loyal Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.16%
Rank 59 of 113
Net Interest Margin
3.07%
Rank 92 of 113
Efficiency Ratio
61.89%
Rank 56 of 113
Equity / Assets
10.22%
Rank 67 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.16% | 0.85% | 1.17% | 1.51% | Beats 48% | 59 / 113 | ||
| Return on Equity | 11.31% | 7.70% | 10.77% | 13.67% | Beats 54% | 52 / 113 | ||
| Net Interest Margin | 3.07% | 3.19% | 3.59% | 3.89% | Beats 19% | 92 / 113 | ||
| Efficiency Ratio | 61.89% | 54.61% | 62.43% | 71.88% | Beats 51% | 56 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.24% | 0.91% | Beats 83% | 20 / 110 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 35% | 73 / 110 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.48% | 11.22% | 12.95% | 15.76% | Beats 27% | 83 / 113 | ||
| Total Risk-Based Capital Ratio | 11.48% | 11.57% | 13.59% | 16.73% | Beats 24% | 86 / 113 | ||
| Equity / Assets | 10.22% | 9.17% | 10.74% | 13.13% | Beats 41% | 67 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.68% | 76.54% | 86.37% | 98.93% | 21st pctl | 89 / 112 | ||
| Loans / Assets | 58.40% | 63.07% | 71.33% | 78.84% | 19th pctl | 91 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||