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 dropped 306.39 percentage points in Q2 2026, from 858.49% to 552.10%. It was the largest change from Q1 2026 among the key lines here. Among 192 Missouri banks, Citizens Bank sits 16th from the top on return on assets, 2.49% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Citizens Bank reported 2.49% on return on assets in Q2 2026, 1.23 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.69% |
| Tier 1 risk-based capital ratio | 9.69% |
| Total risk-based capital ratio | 10.90% |
| Tier 1 leverage ratio | 7.73% |
| Equity capital to assets | 7.86% |
| Tangible equity to tangible assets | 7.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.38% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 552.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.49% |
| Return on equity | 31.93% |
| Net interest margin | 6.53% |
| Efficiency ratio | 59.58% |
| Yield on earning assets | 7.63% |
| Cost of funds | 1.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.59% |
| Core deposits to total deposits | 96.04% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.98% |
| Securities to assets | 1.04% |
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 | 10.00% | 10.00% | 11.06% | 7.77% | 2.11% |
| Q4 2023 | 11.76% | 11.76% | 12.88% | 9.05% | 2.08% |
| Q1 2024 | 11.95% | 11.95% | 13.10% | 9.11% | 2.55% |
| Q2 2024 | 11.91% | 11.91% | 13.05% | 9.50% | 2.55% |
| Q3 2024 | 11.96% | 11.96% | 13.12% | 9.56% | 3.24% |
| Q4 2024 | 12.08% | 12.08% | 13.28% | 9.35% | 3.18% |
| Q1 2025 | 11.27% | 11.27% | 12.42% | 9.13% | 2.85% |
| Q2 2025 | 11.44% | 11.44% | 12.62% | 9.20% | 2.85% |
| Q3 2025 | 11.10% | 11.10% | 12.29% | 9.13% | 2.81% |
| Q4 2025 | 10.08% | 10.08% | 11.27% | 8.22% | 2.74% |
| Q1 2026 | 9.59% | 9.59% | 10.76% | 7.89% | 2.35% |
| Q2 2026 | 9.69% | 9.69% | 10.90% | 7.73% | 2.49% |
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 22601) · FFIEC NIC profile (RSSD 97457)