Citizens State Bank of Loyal
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
$311.5MAssets
$181.9MLoans
$250.3MDeposits
$31.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of banks under $1B in assets in WI (rank 20 of 110).
- Widest gap: net interest margin trails 81% of banks under $1B in assets in WI (rank 92 of 113).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 51% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |