Citizens Bank
Carthage, TN · Cert 893 · Peer group: banks under $1B in assets (n=581-629)
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 9 of 629).
- Widest gap: nonperforming loans / loans trails 57% of banks under $1B in assets (rank 335 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.05%
Rank 75 of 629
Net Interest Margin
3.43%
Rank 349 of 629
Efficiency Ratio
28.28%
Rank 9 of 629
Equity / Assets
13.44%
Rank 173 of 629
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 88% | 75 / 629 | |
| Return on Equity | 15.28% | 5.38% | 9.30% | 13.28% | Beats 85% | 96 / 629 | |
| Net Interest Margin | 3.43% | 3.03% | 3.54% | 4.05% | Beats 45% | 349 / 629 | |
| Efficiency Ratio | 28.28% | 58.35% | 67.79% | 79.08% | Beats 99% | 9 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.09% | 0.46% | 1.20% | Beats 43% | 335 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 48% | 304 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 16.29% | 11.24% | 13.84% | 18.77% | Beats 66% | 214 / 629 | |
| Total Risk-Based Capital Ratio | 16.29% | 11.58% | 14.43% | 19.66% | Beats 63% | 233 / 629 | |
| Equity / Assets | 13.44% | 9.09% | 10.65% | 13.80% | Beats 72% | 173 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 65.24% | 67.24% | 80.90% | 93.48% | 24th pctl | 454 / 594 | |
| Loans / Assets | 56.11% | 53.31% | 67.71% | 78.15% | 28th pctl | 451 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |