Citizens Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 13.04 percentage points lower than in Q1 2026, at 54.54%. Citizens Bank ranks 109th of 191 Missouri banks on return on assets, in the lower half at 1.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Citizens Bank sits 0.07 points higher, at 1.32% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.12% |
| Tier 1 risk-based capital ratio | 15.12% |
| Total risk-based capital ratio | 16.37% |
| Tier 1 leverage ratio | 13.10% |
| Equity capital to assets | 13.36% |
| Tangible equity to tangible assets | 13.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.00% |
| Non-performing assets ratio | 2.64% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 17.53% |
| Allowance for credit losses to loans | 1.64% |
| Reserve coverage of non-performing loans | 54.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 10.22% |
| Net interest margin | 4.19% |
| Efficiency ratio | 60.20% |
| Yield on earning assets | 5.99% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.84% |
| Core deposits to total deposits | 90.66% |
| Brokered deposits to total deposits | 1.65% |
| Deposits to assets | 85.43% |
| Securities to assets | 2.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.49% | 12.49% | 13.75% | 12.18% | 1.11% |
| Q4 2023 | 12.60% | 12.60% | 13.86% | 12.29% | 0.93% |
| Q1 2024 | 12.99% | 12.99% | 14.24% | 12.40% | 1.01% |
| Q2 2024 | 13.12% | 13.12% | 14.37% | 12.61% | 1.06% |
| Q3 2024 | 12.63% | 12.63% | 13.89% | 12.75% | 0.97% |
| Q4 2024 | 13.32% | 13.32% | 14.57% | 12.73% | 0.87% |
| Q1 2025 | 13.53% | 13.53% | 14.78% | 13.21% | 1.14% |
| Q2 2025 | 13.28% | 13.28% | 14.53% | 12.98% | 1.14% |
| Q3 2025 | 13.58% | 13.58% | 14.84% | 12.97% | 1.21% |
| Q4 2025 | 14.27% | 14.27% | 15.53% | 12.86% | 1.10% |
| Q1 2026 | 14.83% | 14.83% | 16.08% | 13.05% | 1.31% |
| Q2 2026 | 15.12% | 15.12% | 16.37% | 13.10% | 1.32% |
Citizens Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14488) · FFIEC NIC profile (RSSD 1001853)