Citizens Bank of Rogersville
Rogersville, MO · Cert 8572 · Peer group: banks under $1B in assets (n=581-629) · Wildcat Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$125.2MAssets
$93.7MLoans
$106.6MDeposits
$13.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: total risk-based capital ratio trails 77% of banks under $1B in assets (rank 486 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.97%
Rank 335 of 629
Net Interest Margin
3.94%
Rank 188 of 629
Efficiency Ratio
70.44%
Rank 360 of 629
Equity / Assets
11.04%
Rank 285 of 629
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 43% 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 | 0.97% | 0.60% | 1.01% | 1.45% | Beats 47% | 335 / 629 | | |
| Return on Equity | 8.81% | 5.38% | 9.30% | 13.28% | Beats 45% | 343 / 629 | | |
| Net Interest Margin | 3.94% | 3.03% | 3.54% | 4.05% | Beats 70% | 188 / 629 | | |
| Efficiency Ratio | 70.44% | 58.35% | 67.79% | 79.08% | Beats 43% | 360 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.09% | 0.46% | 1.20% | Beats 53% | 276 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.37% | 11.24% | 13.84% | 18.77% | Beats 27% | 460 / 629 | | |
| Total Risk-Based Capital Ratio | 11.37% | 11.58% | 14.43% | 19.66% | Beats 23% | 486 / 629 | | |
| Equity / Assets | 11.04% | 9.09% | 10.65% | 13.80% | Beats 55% | 285 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.87% | 67.24% | 80.90% | 93.48% | 64th pctl | 213 / 594 | | |
| Loans / Assets | 74.84% | 53.31% | 67.71% | 78.15% | 66th pctl | 217 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |