Royal Oak, MI · Cert 8183 · Citizens Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Detroit-Warren-Dearborn, MI · 2026 SOD (annual) · 0.3% share · #16 of 37 inst. · $0.5B of $183.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.04% | 0.55% | 1.66% | 1.55% | 1.00% | 1.37% | 1.80% | 1.88% | +33 bps | |
| Return on Equity | 21.58% | 5.87% | 19.29% | 18.37% | 11.67% | 16.49% | 21.90% | 22.67% | +430 bps | |
| Net Interest Margin | 4.76% | 4.51% | 4.45% | 4.56% | 4.42% | 3.69% | 4.12% | 4.71% | +15 bps | |
| Efficiency Ratio | 46.79% | 48.15% | 47.49% | 43.83% | 53.39% | 50.07% | 46.08% | 38.91% | -492 bps | |
| Non-Interest Burden | 1.73% | 1.72% | 1.66% | 1.55% | 2.04% | 1.54% | 1.56% | 1.46% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 41.42% | 41.73% | 46.87% | 41.74% | 49.32% | 60.90% | 42.34% | 41.12% | -63 bps | |
| Loan Growth (YoY) | 43.24% | 47.70% | 47.21% | 67.57% | 76.42% | 80.95% | 75.93% | 54.99% | -1,258 bps | |
| Deposit Growth (YoY) | 41.77% | 42.62% | 48.76% | 43.15% | 50.45% | 62.50% | 42.00% | 41.51% | -164 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.43% | 0.38% | 1.57% | 0.13% | 0.79% | 0.05% | 0.18% | -138 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.35% | 0.19% | 0.00% | 0.50% | +50 bps | |
| Allowance / Loans | 0.96% | 1.17% | 1.14% | 1.18% | 1.14% | 1.17% | 1.13% | 1.11% | -7 bps | |
| Allowance Coverage of NPLs | 6.1x | 2.7x | 3.0x | 0.8x | 8.7x | 1.5x | 23.5x | 6.1x | +5.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.01% | 9.77% | 9.29% | 9.37% | 9.07% | 9.01% | 8.85% | 8.58% | -78 bps | |
| Total Risk-Based Capital | 10.01% | 9.77% | 9.29% | 9.37% | 9.07% | 9.01% | 8.85% | 8.58% | -78 bps | |
| Equity / Assets | 9.43% | 9.15% | 8.19% | 8.64% | 8.48% | 8.17% | 8.28% | 8.27% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.61% | 71.27% | 67.53% | 78.41% | 80.46% | 79.37% | 83.67% | 85.88% | +747 bps | |
| Liquid Assets / Assets | 23.36% | 21.17% | 22.09% | 12.07% | 12.90% | 5.33% | 3.51% | 4.73% | -734 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 538% | 564% | 580% | n/a | n/a | |