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 | |