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.
Loan-to-deposit ratio climbed 2.57 percentage points in Q2 2026, from 62.67% to 65.24%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Citizens Bank is 11th of 109 on return on assets, 2.00% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Citizens Bank reported 2.00% on return on assets in Q2 2026, 0.74 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.29% |
| Equity capital to assets | 13.44% |
| Tangible equity to tangible assets | 13.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.46% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 243.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.00% |
| Return on equity | 15.95% |
| Net interest margin | 3.95% |
| Efficiency ratio | 26.73% |
| Yield on earning assets | 5.82% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.24% |
| Core deposits to total deposits | 78.47% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.01% |
| Securities to assets | 39.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 18.12% | 1.72% | 3.02% | 0.18% | 0.10% |
| Q4 2023 | 18.46% | 1.36% | 2.99% | 0.19% | 0.03% |
| Q1 2024 | 16.95% | 1.60% | 2.96% | 0.26% | 0.01% |
| Q2 2024 | 16.92% | 1.40% | 2.73% | 0.28% | 0.04% |
| Q3 2024 | 16.58% | 1.40% | 3.10% | 0.40% | 0.03% |
| Q4 2024 | 16.79% | 1.48% | 3.25% | 0.35% | 0.08% |
| Q1 2025 | 15.84% | 1.57% | 3.33% | 0.54% | 0.02% |
| Q2 2025 | 16.15% | 1.82% | 3.86% | 0.51% | 0.03% |
| Q3 2025 | 16.49% | 1.97% | 3.89% | 0.49% | -0.03% |
| Q4 2025 | 16.67% | 1.85% | 3.87% | 0.44% | 0.11% |
| Q1 2026 | 15.89% | 1.97% | 3.82% | 0.51% | 0.01% |
| Q2 2026 | 16.29% | 2.00% | 3.95% | 0.50% | 0.01% |
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 893) · FFIEC NIC profile (RSSD 126834)