Hudson, WI · Cert 6194 · Citizens Bancshares Woodville
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #44 of 125 inst. · $0.4B of $253.2B
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 | 0.84% | 0.92% | 0.91% | 0.95% | 1.03% | 1.06% | 1.22% | 1.21% | +26 bps | |
| Return on Equity | 9.70% | 10.57% | 10.35% | 10.69% | 11.49% | 11.73% | 12.96% | 12.73% | +203 bps | |
| Net Interest Margin | 3.01% | 3.11% | 3.39% | 3.40% | 3.45% | 3.51% | 3.58% | 3.70% | +30 bps | |
| Efficiency Ratio | 64.38% | 62.72% | 62.14% | 61.52% | 60.74% | 59.96% | 57.71% | 58.15% | -337 bps | |
| Non-Interest Burden | 1.85% | 1.86% | 2.02% | 1.99% | 2.00% | 2.01% | 1.93% | 2.03% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.32% | 10.51% | 6.50% | 4.49% | 6.61% | 5.49% | 5.80% | 5.37% | +88 bps | |
| Loan Growth (YoY) | 13.81% | 12.48% | 14.79% | 10.77% | 7.76% | 7.52% | 2.96% | 2.86% | -791 bps | |
| Deposit Growth (YoY) | 16.48% | 7.55% | 4.91% | 3.12% | 6.71% | 8.33% | 4.74% | 3.16% | +4 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 0.66% | 0.68% | 0.57% | 0.32% | 0.26% | 0.46% | 0.43% | -14 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.31% | 0.21% | 0.15% | 0.04% | 0.02% | -29 bps | |
| Allowance / Loans | 1.26% | 1.25% | 1.26% | 1.18% | 1.21% | 1.21% | 1.26% | 1.32% | +14 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.9x | 1.9x | 2.1x | 3.7x | 4.6x | 2.7x | 3.1x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.29% | 9.44% | 9.45% | 9.49% | 9.56% | 9.80% | 9.67% | 10.02% | +53 bps | |
| Total Risk-Based Capital | 9.29% | 9.44% | 9.45% | 9.49% | 9.56% | 9.80% | 9.67% | 10.02% | +53 bps | |
| Equity / Assets | 8.84% | 8.78% | 8.83% | 9.01% | 9.19% | 9.38% | 9.40% | 9.65% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.16% | 101.80% | 99.14% | 98.00% | 97.11% | 101.03% | 97.46% | 97.71% | -29 bps | |
| Liquid Assets / Assets | 4.19% | 4.35% | 4.95% | 4.77% | 5.67% | 3.75% | 6.68% | 6.27% | +149 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 309% | 314% | 304% | n/a | n/a | |