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.
Return on equity climbed 3.15 percentage points in Q2 2026, from 7.91% to 11.06%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Citizens Bank is 293rd of 345 on return on assets, 0.74% as of Q2 2026. Citizens Bank reported 0.74% on return on assets for Q2 2026, 0.51 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.10% |
| Tier 1 risk-based capital ratio | 10.10% |
| Total risk-based capital ratio | 11.37% |
| Tier 1 leverage ratio | 6.90% |
| Equity capital to assets | 6.81% |
| Tangible equity to tangible assets | 6.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.18% |
| Allowance for credit losses to loans | 2.49% |
| Reserve coverage of non-performing loans | 10718.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.74% |
| Return on equity | 11.06% |
| Net interest margin | 4.44% |
| Efficiency ratio | 77.67% |
| Yield on earning assets | 6.14% |
| Cost of funds | 2.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.08% |
| Core deposits to total deposits | 84.53% |
| Brokered deposits to total deposits | 6.79% |
| Deposits to assets | 90.34% |
| Securities to assets | 10.67% |
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 | 20.53% | 20.53% | 21.78% | 13.33% | 0.87% |
| Q4 2023 | 20.81% | 20.81% | 22.07% | 13.86% | 0.78% |
| Q1 2024 | 21.15% | 21.15% | 22.40% | 14.08% | 0.70% |
| Q2 2024 | 21.77% | 21.77% | 23.03% | 14.37% | 0.57% |
| Q3 2024 | 21.86% | 21.86% | 23.12% | 14.69% | 0.53% |
| Q4 2024 | 21.79% | 21.79% | 23.05% | 14.65% | 0.50% |
| Q1 2025 | 21.58% | 21.58% | 22.84% | 14.72% | 0.42% |
| Q2 2025 | 20.52% | 20.52% | 21.78% | 14.71% | 0.90% |
| Q3 2025 | 22.50% | 22.50% | 23.77% | 14.81% | 0.98% |
| Q4 2025 | 21.03% | 21.03% | 22.29% | 14.81% | 1.14% |
| Q1 2026 | 9.91% | 9.91% | 11.18% | 6.37% | 0.82% |
| Q2 2026 | 10.10% | 10.10% | 11.37% | 6.90% | 0.74% |
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 16817) · FFIEC NIC profile (RSSD 744854)