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.
Loan-to-deposit ratio dropped 4.78 percentage points in Q2 2026, from 68.78% to 64.00%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank ranks 36th of 345 Texas banks on return on assets, in the upper half at 2.34% (Q2 2026). Citizens Bank's return on assets of 2.34% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.09 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.07% |
| Equity capital to assets | 9.83% |
| Tangible equity to tangible assets | 9.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.06% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.34% |
| Return on equity | 24.25% |
| Net interest margin | 4.19% |
| Efficiency ratio | 41.64% |
| Yield on earning assets | 6.44% |
| Cost of funds | 2.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.00% |
| Core deposits to total deposits | 91.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.27% |
| Securities to assets | 12.42% |
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 | 13.24% | 13.24% | 13.88% | 10.63% | 2.66% |
| Q4 2023 | 14.40% | 14.40% | 15.09% | 10.27% | 2.52% |
| Q1 2024 | 14.18% | 14.18% | 14.85% | 10.47% | 2.73% |
| Q2 2024 | 13.72% | 13.72% | 14.37% | 10.65% | 3.04% |
| Q3 2024 | 13.94% | 13.94% | 14.60% | 10.77% | 2.97% |
| Q4 2024 | 15.08% | 15.08% | 15.79% | 10.53% | 2.60% |
| Q1 2025 | 15.37% | 15.37% | 16.10% | 10.81% | 2.48% |
| Q2 2025 | 14.55% | 14.55% | 15.24% | 10.64% | 2.64% |
| Q3 2025 | 14.42% | 14.42% | 15.10% | 10.50% | 2.64% |
| Q4 2025 | 15.33% | 15.33% | 16.05% | 9.83% | 2.39% |
| Q1 2026 | 15.60% | 15.60% | 16.32% | 10.05% | 2.16% |
| Q2 2026 | — | — | — | 10.07% | 2.34% |
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 3140) · FFIEC NIC profile (RSSD 885252)