PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens Equity First

Peoria, IL · Charter 68448

NCUA · 35 branches

Q2 2026

$8.5BAssets
$6.5BLoans
$7.4BShares
$989.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.33%, down 4 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.96% of loans (-1 bps YoY).
  • Capital: net worth / assets of 11.65%, up 3 bps from a year ago.
  • Funding: loans stand at 87.42% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.33%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+5 bps YoY

Efficiency Ratio (YTD, annualized)

53.60%-60 bps YoY

Net Worth / Assets

11.65%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.76%0.98%1.17%1.38%1.40%0.75%1.26%1.33%-4 bps
Return on Equity14.50%8.56%10.58%11.84%11.54%6.59%11.26%11.45%-39 bps
Net Interest Margin3.46%2.70%3.23%3.38%3.45%2.71%3.30%3.43%+5 bps
Efficiency Ratio49.96%60.28%56.10%54.20%54.22%63.29%54.43%53.60%-60 bps
Growth
Asset Growth (YoY)4.50%6.07%3.27%4.61%3.94%4.70%3.34%4.00%-61 bps
Loan Growth (YoY)3.06%4.49%6.56%7.45%5.77%4.35%3.13%2.75%-470 bps
Share Growth (YoY)2.44%5.97%6.32%5.34%5.20%4.55%4.26%5.19%-16 bps
Asset Quality
Delinquent Loans / Loans0.97%1.06%0.80%0.97%1.04%1.13%0.84%0.96%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.12%11.50%11.02%11.62%12.11%11.45%11.16%11.65%+3 bps
Net Worth / Assets12.12%11.50%11.02%11.62%12.11%11.45%11.16%11.65%+3 bps
Liquidity & Funding
Loans / Shares89.69%88.17%85.75%89.49%90.18%88.01%84.82%87.42%-207 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps