Citizens State Bank of Lankin
Lankin, ND · Cert 9422 · Peer group: banks under $1B in assets (n=581-629) · Citizens State Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$72.1MAssets
$53.0MLoans
$61.4MDeposits
$6.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 88% of banks under $1B in assets (rank 76 of 629).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets (rank 556 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.94%
Rank 352 of 629
Net Interest Margin
4.44%
Rank 76 of 629
Efficiency Ratio
67.06%
Rank 303 of 629
Equity / Assets
8.81%
Rank 497 of 629
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 52% 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 | 0.94% | 0.60% | 1.01% | 1.45% | Beats 44% | 352 / 629 | | |
| Return on Equity | 10.63% | 5.38% | 9.30% | 13.28% | Beats 58% | 266 / 629 | | |
| Net Interest Margin | 4.44% | 3.03% | 3.54% | 4.05% | Beats 88% | 76 / 629 | | |
| Efficiency Ratio | 67.06% | 58.35% | 67.79% | 79.08% | Beats 52% | 303 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.58% | 0.09% | 0.46% | 1.20% | Beats 18% | 480 / 581 | | |
| Net Charge-Offs / Loans | 0.12% | n/a | 0.01% | 0.06% | Beats 15% | 497 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.13% | 11.24% | 13.84% | 18.77% | Beats 13% | 549 / 629 | | |
| Total Risk-Based Capital Ratio | 10.13% | 11.58% | 14.43% | 19.66% | Beats 12% | 556 / 629 | | |
| Equity / Assets | 8.81% | 9.09% | 10.65% | 13.80% | Beats 21% | 497 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.24% | 67.24% | 80.90% | 93.48% | 61st pctl | 230 / 594 | | |
| Loans / Assets | 73.46% | 53.31% | 67.71% | 78.15% | 62nd pctl | 237 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |