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 27.78 percentage points in Q2 2026, from 77.80% to 105.58%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank ranks 43rd of 119 Kentucky banks on return on assets, in the upper half at 1.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Citizens Bank sits 0.29 points higher, at 1.55% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.68% |
| Tier 1 risk-based capital ratio | 11.68% |
| Total risk-based capital ratio | 12.91% |
| Tier 1 leverage ratio | 8.09% |
| Equity capital to assets | 8.31% |
| Tangible equity to tangible assets | 8.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.96% |
| Non-performing assets ratio | 1.12% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 12.50% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 105.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.55% |
| Return on equity | 19.44% |
| Net interest margin | 4.09% |
| Efficiency ratio | 64.42% |
| Yield on earning assets | 6.29% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.13% |
| Core deposits to total deposits | 87.40% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.50% |
| Securities to assets | 5.37% |
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 | 11.58% | 11.58% | 12.83% | 8.33% | 1.10% |
| Q4 2023 | 11.14% | 11.14% | 12.39% | 8.12% | 1.03% |
| Q1 2024 | 11.16% | 11.16% | 12.41% | 8.27% | 0.86% |
| Q2 2024 | 11.08% | 11.08% | 12.33% | 8.47% | 0.83% |
| Q3 2024 | 10.83% | 10.83% | 12.08% | 8.12% | 1.15% |
| Q4 2024 | 10.61% | 10.61% | 11.83% | 7.18% | 1.22% |
| Q1 2025 | 11.05% | 11.05% | 12.30% | 7.52% | 1.32% |
| Q2 2025 | 10.97% | 10.97% | 12.21% | 7.74% | 1.31% |
| Q3 2025 | 11.14% | 11.14% | 12.39% | 7.88% | 1.36% |
| Q4 2025 | 11.10% | 11.10% | 12.33% | 7.78% | 1.35% |
| Q1 2026 | 11.20% | 11.20% | 12.42% | 7.87% | 1.54% |
| Q2 2026 | 11.68% | 11.68% | 12.91% | 8.09% | 1.55% |
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 262) · FFIEC NIC profile (RSSD 840019)