Citizens State Bank at Mohall, The
Mohall, ND · Cert 8632 · Peer group: banks under $1B in assets (n=581-629) · Jorgenson Holding Co.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (6 in holding)
Q2 2026
$80.2MAssets
$59.2MLoans
$69.9MDeposits
$9.2MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 65% of banks under $1B in assets (rank 223 of 629).
- Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets (rank 522 of 581).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.93%
Rank 356 of 629
Net Interest Margin
3.62%
Rank 287 of 629
Efficiency Ratio
69.22%
Rank 337 of 629
Equity / Assets
11.50%
Rank 259 of 629
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 47% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.60% | 1.01% | 1.45% | Beats 43% | 356 / 629 | |
| Return on Equity | 8.07% | 5.38% | 9.30% | 13.28% | Beats 41% | 373 / 629 | |
| Net Interest Margin | 3.62% | 3.03% | 3.54% | 4.05% | Beats 54% | 287 / 629 | |
| Efficiency Ratio | 69.22% | 58.35% | 67.79% | 79.08% | Beats 47% | 337 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.09% | 0.46% | 1.20% | Beats 51% | 283 / 581 | |
| Net Charge-Offs / Loans | 0.15% | n/a | 0.01% | 0.06% | Beats 10% | 522 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 16.01% | 11.24% | 13.84% | 18.77% | Beats 65% | 223 / 629 | |
| Total Risk-Based Capital Ratio | 16.69% | 11.58% | 14.43% | 19.66% | Beats 65% | 219 / 629 | |
| Equity / Assets | 11.50% | 9.09% | 10.65% | 13.80% | Beats 59% | 259 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 84.71% | 67.24% | 80.90% | 93.48% | 57th pctl | 258 / 594 | |
| Loans / Assets | 73.81% | 53.31% | 67.71% | 78.15% | 63rd pctl | 234 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |