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: 57.27 percentage points higher than in Q1 2026, at 237.21%. Among 57 Mississippi banks, Citizens Bank sits 4th from the top on return on assets, 2.46% as of Q2 2026. Citizens Bank's return on assets of 2.46% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.21 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.98% |
| Tier 1 risk-based capital ratio | 21.98% |
| Total risk-based capital ratio | 23.23% |
| Tier 1 leverage ratio | 13.48% |
| Equity capital to assets | 12.82% |
| Tangible equity to tangible assets | 12.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.54% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.38% |
| Texas ratio | 1.91% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 237.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.46% |
| Return on equity | 19.70% |
| Net interest margin | 5.12% |
| Efficiency ratio | 54.76% |
| Yield on earning assets | 6.08% |
| Cost of funds | 0.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.15% |
| Core deposits to total deposits | 93.07% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.07% |
| Securities to assets | 20.55% |
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 | 18.93% | 18.93% | 20.18% | 12.42% | 2.74% |
| Q4 2023 | 20.30% | 20.30% | 21.56% | 13.57% | 4.74% |
| Q1 2024 | 19.93% | 19.93% | 21.19% | 13.19% | 2.06% |
| Q2 2024 | 20.10% | 20.10% | 21.35% | 13.13% | 2.08% |
| Q3 2024 | 20.43% | 20.43% | 21.68% | 13.01% | 2.25% |
| Q4 2024 | 20.75% | 20.75% | 22.00% | 13.39% | 1.11% |
| Q1 2025 | 20.21% | 20.21% | 21.46% | 12.70% | 1.88% |
| Q2 2025 | 21.14% | 21.14% | 22.39% | 12.84% | 2.25% |
| Q3 2025 | 22.07% | 22.07% | 23.32% | 13.19% | 2.30% |
| Q4 2025 | 21.61% | 21.61% | 22.86% | 13.28% | 1.72% |
| Q1 2026 | 20.90% | 20.90% | 22.15% | 13.08% | 2.33% |
| Q2 2026 | 21.98% | 21.98% | 23.23% | 13.48% | 2.46% |
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 324) · FFIEC NIC profile (RSSD 514132)