Citizens Bank
Carthage, TN · Cert 893 · Peer group: banks under $1B in assets (n=570-617)
State charter, non-member · FDIC · 7 branches
Q2 2026
$832.5MAssets
$467.1MLoans
$716.0MDeposits
$111.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 99% of banks under $1B in assets (rank 8 of 617).
- Widest gap: nonperforming loans / loans trails 57% of banks under $1B in assets (rank 324 of 570).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.05%
Rank 68 of 617
Net Interest Margin
3.43%
Rank 344 of 617
Efficiency Ratio
28.28%
Rank 8 of 617
Equity / Assets
13.44%
Rank 162 of 617
Non-interest income vs. expense
Unfavorable gap of $7.2M · efficiency ratio beats 99% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.05% | 0.60% | 1.01% | 1.45% | Beats 89% | 68 / 617 | |
| Return on Equity | 15.28% | 5.30% | 9.43% | 13.30% | Beats 85% | 92 / 617 | |
| Net Interest Margin | 3.43% | 3.04% | 3.54% | 4.05% | Beats 44% | 344 / 617 | |
| Efficiency Ratio | 28.28% | 58.03% | 67.76% | 79.08% | Beats 99% | 8 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.09% | 0.47% | 1.27% | Beats 43% | 324 / 570 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 46% | 310 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 16.29% | 11.18% | 13.83% | 18.55% | Beats 66% | 211 / 617 | |
| Total Risk-Based Capital Ratio | 16.29% | 11.56% | 14.39% | 19.39% | Beats 63% | 228 / 617 | |
| Equity / Assets | 13.44% | 9.03% | 10.55% | 13.63% | Beats 74% | 162 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 65.24% | 64.77% | 79.70% | 93.06% | 26th pctl | 432 / 582 | |
| Loans / Assets | 56.11% | 51.70% | 67.18% | 77.51% | 30th pctl | 431 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |