Citizens Bank & Trust Company
Van Buren, AR · Cert 8738 · Peer group: banks under $1B in assets (n=581-629) · First Bank Corp.
State charter, Fed member · FED · 1 affiliate bank · 9 branches (35 in holding)
Q2 2026
$566.4MAssets
$310.8MLoans
$503.2MDeposits
$61.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 92% of banks under $1B in assets (rank 54 of 629).
- Widest gap: net charge-offs / loans trails 83% of banks under $1B in assets (rank 483 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.54%
Rank 137 of 629
Net Interest Margin
3.62%
Rank 286 of 629
Efficiency Ratio
47.69%
Rank 54 of 629
Equity / Assets
10.78%
Rank 307 of 629
Non-interest income vs. expense
Unfavorable gap of $8.2M · efficiency ratio beats 92% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.54% | 0.60% | 1.01% | 1.45% | Beats 78% | 137 / 629 | |
| Return on Equity | 14.26% | 5.38% | 9.30% | 13.28% | Beats 80% | 125 / 629 | |
| Net Interest Margin | 3.62% | 3.03% | 3.54% | 4.05% | Beats 55% | 286 / 629 | |
| Efficiency Ratio | 47.69% | 58.35% | 67.79% | 79.08% | Beats 92% | 54 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.09% | 0.46% | 1.20% | Beats 65% | 203 / 581 | |
| Net Charge-Offs / Loans | 0.11% | n/a | 0.01% | 0.06% | Beats 17% | 483 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 11.78% | 11.24% | 13.84% | 18.77% | Beats 31% | 435 / 629 | |
| Total Risk-Based Capital Ratio | 11.78% | 11.58% | 14.43% | 19.66% | Beats 26% | 464 / 629 | |
| Equity / Assets | 10.78% | 9.09% | 10.65% | 13.80% | Beats 51% | 307 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 61.77% | 67.24% | 80.90% | 93.48% | 19th pctl | 479 / 594 | |
| Loans / Assets | 54.87% | 53.31% | 67.71% | 78.15% | 27th pctl | 459 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |