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.
Reserve coverage of non-performing loans climbed 69.94 percentage points in Q2 2026, from 290.29% to 360.23%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank ranks 55th of 153 Wisconsin banks on return on assets, in the upper half at 1.51% (Q2 2026). Citizens Bank reported 1.51% on return on assets for Q2 2026, 0.24 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.64% |
| Equity capital to assets | 13.07% |
| Tangible equity to tangible assets | 13.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.26% |
| Texas ratio | 1.57% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 360.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 11.82% |
| Net interest margin | 3.94% |
| Efficiency ratio | 52.47% |
| Yield on earning assets | 5.40% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.17% |
| Core deposits to total deposits | 93.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.34% |
| Securities to assets | 26.89% |
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 | 13.64% | 1.27% | 3.47% | 0.61% | 0.01% |
| Q4 2023 | 13.73% | 1.14% | 3.65% | 0.26% | 0.33% |
| Q1 2024 | 13.15% | 1.00% | 3.24% | 3.12% | 0.01% |
| Q2 2024 | 13.27% | 1.13% | 3.32% | 2.41% | -0.00% |
| Q3 2024 | 13.56% | 1.09% | 3.29% | 2.51% | -0.03% |
| Q4 2024 | 13.75% | 1.51% | 3.51% | 2.40% | -0.25% |
| Q1 2025 | 13.62% | 0.85% | 3.27% | 0.42% | 1.39% |
| Q2 2025 | 13.71% | 1.58% | 3.73% | 0.41% | -0.06% |
| Q3 2025 | 14.05% | 1.50% | 3.64% | 0.41% | 0.08% |
| Q4 2025 | 14.24% | 1.69% | 3.81% | 0.38% | 0.01% |
| Q1 2026 | 13.45% | 1.26% | 3.73% | 0.40% | -0.00% |
| Q2 2026 | 13.64% | 1.51% | 3.94% | 0.33% | 0.26% |
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 13055) · FFIEC NIC profile (RSSD 783844)