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 Loan-to-deposit ratio: 3.01 percentage points higher than in Q1 2026, at 75.09%. Citizens Bank ranks 53rd of 87 Indiana banks on return on assets, in the lower half at 0.97% (Q2 2026). Citizens Bank reported 0.97% on return on assets for Q2 2026, 0.29 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.51% |
| Tier 1 risk-based capital ratio | 12.51% |
| Total risk-based capital ratio | 13.59% |
| Tier 1 leverage ratio | 9.78% |
| Equity capital to assets | 9.41% |
| Tangible equity to tangible assets | 9.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.58% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 1424.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.97% |
| Return on equity | 10.54% |
| Net interest margin | 3.68% |
| Efficiency ratio | 67.90% |
| Yield on earning assets | 5.21% |
| Cost of funds | 1.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.09% |
| Core deposits to total deposits | 92.20% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.18% |
| Securities to assets | 26.78% |
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 | 13.23% | 13.23% | 14.38% | 9.85% | 0.64% |
| Q4 2023 | 13.11% | 13.11% | 14.26% | 9.81% | 0.71% |
| Q1 2024 | 13.27% | 13.27% | 14.42% | 9.73% | 0.55% |
| Q2 2024 | 13.16% | 13.16% | 14.31% | 9.82% | 0.57% |
| Q3 2024 | 13.27% | 13.27% | 14.44% | 9.91% | 0.72% |
| Q4 2024 | 12.58% | 12.58% | 13.69% | 9.92% | 0.51% |
| Q1 2025 | 12.42% | 12.42% | 13.51% | 9.97% | 1.27% |
| Q2 2025 | 12.48% | 12.48% | 13.58% | 10.11% | 0.88% |
| Q3 2025 | 13.04% | 13.04% | 14.16% | 9.77% | 0.91% |
| Q4 2025 | 12.73% | 12.73% | 13.83% | 9.80% | 0.97% |
| Q1 2026 | 12.55% | 12.55% | 13.63% | 9.69% | 0.98% |
| Q2 2026 | 12.51% | 12.51% | 13.59% | 9.78% | 0.97% |
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 9647) · FFIEC NIC profile (RSSD 44741)