Citizens Bank
Mooresville, IN · Cert 9647 · Peer group: banks under $1B in assets (n=581-629) · Citba Financial Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
$690.6MAssets
$467.7MLoans
$622.8MDeposits
$65.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 75% of banks under $1B in assets (rank 145 of 581).
- Widest gap: equity / assets trails 69% of banks under $1B in assets (rank 437 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.99%
Rank 327 of 629
Net Interest Margin
3.35%
Rank 376 of 629
Efficiency Ratio
70.89%
Rank 365 of 629
Equity / Assets
9.41%
Rank 437 of 629
Non-interest income vs. expense
Unfavorable gap of $15.5M · efficiency ratio beats 42% 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 | 0.99% | 0.60% | 1.01% | 1.45% | Beats 48% | 327 / 629 | | |
| Return on Equity | 10.48% | 5.38% | 9.30% | 13.28% | Beats 56% | 275 / 629 | | |
| Net Interest Margin | 3.35% | 3.03% | 3.54% | 4.05% | Beats 40% | 376 / 629 | | |
| Efficiency Ratio | 70.89% | 58.35% | 67.79% | 79.08% | Beats 42% | 365 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.46% | 1.20% | Beats 75% | 145 / 581 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 45% | 322 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.51% | 11.24% | 13.84% | 18.77% | Beats 38% | 389 / 629 | | |
| Total Risk-Based Capital Ratio | 13.59% | 11.58% | 14.43% | 19.66% | Beats 44% | 355 / 629 | | |
| Equity / Assets | 9.41% | 9.09% | 10.65% | 13.80% | Beats 31% | 437 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.09% | 67.24% | 80.90% | 93.48% | 39th pctl | 360 / 594 | | |
| Loans / Assets | 67.71% | 53.31% | 67.71% | 78.15% | 50th pctl | 315 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |