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 419.24 percentage points in Q2 2026, from 1165.54% to 1584.78%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank has the 1st lowest return on assets of the 12 banks headquartered in Oregon, at 0.05% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Citizens Bank reported 0.05% on return on assets in Q2 2026, 1.20 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.17% |
| Tier 1 risk-based capital ratio | 22.17% |
| Total risk-based capital ratio | 23.43% |
| Tier 1 leverage ratio | 13.88% |
| Equity capital to assets | 10.58% |
| Tangible equity to tangible assets | 10.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.44% |
| Allowance for credit losses to loans | 1.68% |
| Reserve coverage of non-performing loans | 1584.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.05% |
| Return on equity | 0.51% |
| Net interest margin | 3.34% |
| Efficiency ratio | 90.03% |
| Yield on earning assets | 3.86% |
| Cost of funds | 0.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.46% |
| Core deposits to total deposits | 99.85% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.32% |
| Securities to assets | 37.37% |
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 | 19.64% | 19.64% | 20.70% | 10.48% | 0.64% |
| Q4 2023 | 19.89% | 19.89% | 20.97% | 10.54% | 0.59% |
| Q1 2024 | 20.30% | 20.30% | 21.43% | 10.66% | 0.30% |
| Q2 2024 | 21.01% | 21.01% | 22.17% | 11.39% | 0.34% |
| Q3 2024 | 21.91% | 21.91% | 23.14% | 12.22% | 0.44% |
| Q4 2024 | 21.89% | 21.89% | 23.10% | 13.23% | 0.39% |
| Q1 2025 | 22.22% | 22.22% | 23.45% | 13.88% | 0.26% |
| Q2 2025 | 22.69% | 22.69% | 23.94% | 13.79% | 0.29% |
| Q3 2025 | 22.76% | 22.76% | 24.01% | 13.41% | 0.19% |
| Q4 2025 | 22.62% | 22.62% | 23.87% | 13.17% | 0.47% |
| Q1 2026 | 23.11% | 23.11% | 24.37% | 13.81% | 0.30% |
| Q2 2026 | 22.17% | 22.17% | 23.43% | 13.88% | 0.05% |
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 17809) · FFIEC NIC profile (RSSD 98463)