Citizens Bank and Trust: 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 94.65 percentage points in Q2 2026, from 125.00% to 219.66%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Citizens Bank and Trust is 21st of 79 on return on assets, 1.35% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Citizens Bank and Trust sits 0.07 points higher, at 1.35% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.65% |
| Tier 1 risk-based capital ratio | 12.65% |
| Total risk-based capital ratio | 13.71% |
| Tier 1 leverage ratio | 8.04% |
| Equity capital to assets | 4.11% |
| Tangible equity to tangible assets | 4.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 6.37% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 219.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 34.86% |
| Net interest margin | 3.18% |
| Efficiency ratio | 62.98% |
| Yield on earning assets | 4.52% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.25% |
| Core deposits to total deposits | 95.12% |
| Brokered deposits to total deposits | 0.90% |
| Deposits to assets | 94.44% |
| Securities to assets | 33.53% |
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 | 12.45% | 12.45% | 13.40% | 7.25% | 0.61% |
| Q4 2023 | 12.05% | 12.05% | 12.98% | 7.33% | 0.68% |
| Q1 2024 | 12.24% | 12.24% | 13.14% | 7.34% | 0.61% |
| Q2 2024 | 11.96% | 11.96% | 12.88% | 7.39% | 0.50% |
| Q3 2024 | 12.00% | 12.00% | 12.93% | 7.44% | 0.57% |
| Q4 2024 | 12.08% | 12.08% | 13.02% | 7.51% | 0.86% |
| Q1 2025 | 12.21% | 12.21% | 13.17% | 7.65% | 0.94% |
| Q2 2025 | 11.89% | 11.89% | 12.90% | 7.65% | 0.93% |
| Q3 2025 | 12.21% | 12.21% | 13.25% | 7.66% | 1.15% |
| Q4 2025 | 12.17% | 12.17% | 13.33% | 7.72% | 0.91% |
| Q1 2026 | 12.50% | 12.50% | 13.55% | 7.88% | 1.41% |
| Q2 2026 | 12.65% | 12.65% | 13.71% | 8.04% | 1.35% |
Citizens Bank and Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5673) · FFIEC NIC profile (RSSD 701839)