Citizens Bank and Trust Company
Blackstone, VA · Cert 823 · Peer group: banks under $1B in assets (n=581-629) · Citizens Bcorp of Virginia Inc.
State charter, Fed member · FED · 12 branches
Q2 2026
$577.6MAssets
$288.5MLoans
$485.5MDeposits
$83.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 93% of banks under $1B in assets (rank 48 of 629).
- Widest gap: net charge-offs / loans trails 44% of banks under $1B in assets (rank 257 of 581).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
2.11%
Rank 67 of 629
Net Interest Margin
4.17%
Rank 125 of 629
Efficiency Ratio
46.92%
Rank 48 of 629
Equity / Assets
14.37%
Rank 149 of 629
Non-interest income vs. expense
Unfavorable gap of $9.4M · efficiency ratio beats 93% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.11% | 0.60% | 1.01% | 1.45% | Beats 89% | 67 / 629 | |
| Return on Equity | 14.70% | 5.38% | 9.30% | 13.28% | Beats 82% | 115 / 629 | |
| Net Interest Margin | 4.17% | 3.03% | 3.54% | 4.05% | Beats 80% | 125 / 629 | |
| Efficiency Ratio | 46.92% | 58.35% | 67.79% | 79.08% | Beats 93% | 48 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.09% | 0.46% | 1.20% | Beats 63% | 217 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 56% | 257 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 15.39% | 11.24% | 13.84% | 18.77% | Beats 63% | 235 / 629 | |
| Total Risk-Based Capital Ratio | 15.39% | 11.58% | 14.43% | 19.66% | Beats 57% | 272 / 629 | |
| Equity / Assets | 14.37% | 9.09% | 10.65% | 13.80% | Beats 76% | 149 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 59.42% | 67.24% | 80.90% | 93.48% | 17th pctl | 493 / 594 | |
| Loans / Assets | 49.95% | 53.31% | 67.71% | 78.15% | 21st pctl | 497 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |