Citizens State Bank
Royal Oak, MI · Cert 8183 · Peer group: banks under $1B in assets (n=581-629) · Citizens Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$581.0MAssets
$455.5MLoans
$530.5MDeposits
$48.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of banks under $1B in assets (rank 32 of 629).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets (rank 627 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.74%
Rank 106 of 629
Net Interest Margin
4.24%
Rank 110 of 629
Efficiency Ratio
42.14%
Rank 32 of 629
Equity / Assets
8.27%
Rank 540 of 629
Non-interest income vs. expense
Unfavorable gap of $8.3M · efficiency ratio beats 95% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.74% | 0.60% | 1.01% | 1.45% | Beats 83% | 106 / 629 | | |
| Return on Equity | 21.01% | 5.38% | 9.30% | 13.28% | Beats 94% | 36 / 629 | | |
| Net Interest Margin | 4.24% | 3.03% | 3.54% | 4.05% | Beats 83% | 110 / 629 | | |
| Efficiency Ratio | 42.14% | 58.35% | 67.79% | 79.08% | Beats 95% | 32 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.09% | 0.46% | 1.20% | Beats 66% | 198 / 581 | | |
| Net Charge-Offs / Loans | 0.13% | n/a | 0.01% | 0.06% | Beats 13% | 507 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 8.58% | 11.24% | 13.84% | 18.77% | Beats 0% | 626 / 629 | | |
| Total Risk-Based Capital Ratio | 8.58% | 11.58% | 14.43% | 19.66% | Beats 0% | 627 / 629 | | |
| Equity / Assets | 8.27% | 9.09% | 10.65% | 13.80% | Beats 14% | 540 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.88% | 67.24% | 80.90% | 93.48% | 60th pctl | 237 / 594 | | |
| Loans / Assets | 78.41% | 53.31% | 67.71% | 78.15% | 76th pctl | 152 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |