Citizens Bank and Trust Company: 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 11939.80 percentage points in Q2 2026, from 27961.54% to 16021.74%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, Citizens Bank and Trust Company is 10th of 56 on return on assets, 2.28% as of Q2 2026, above the middle of the field. Citizens Bank and Trust Company's return on assets of 2.28% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.04 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 | 15.39% |
| Equity capital to assets | 14.37% |
| Tangible equity to tangible assets | 14.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 1.06% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 16021.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.28% |
| Return on equity | 16.43% |
| Net interest margin | 4.58% |
| Efficiency ratio | 44.75% |
| Yield on earning assets | 5.43% |
| Cost of funds | 0.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.42% |
| Core deposits to total deposits | 88.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.06% |
| Securities to assets | 36.64% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.67% | 1.79% | 3.81% | 0.01% | -0.00% |
| Q4 2023 | 12.86% | 1.18% | 3.77% | 0.01% | 0.03% |
| Q1 2024 | 13.09% | 1.60% | 3.77% | 0.02% | -0.00% |
| Q2 2024 | 13.20% | 1.59% | 3.80% | 0.04% | -0.01% |
| Q3 2024 | 13.78% | 1.67% | 3.94% | 0.02% | -0.05% |
| Q4 2024 | 14.10% | 1.54% | 4.01% | 0.02% | 0.00% |
| Q1 2025 | 14.17% | 1.75% | 3.99% | 0.02% | 0.01% |
| Q2 2025 | 14.35% | 1.83% | 4.16% | 0.01% | 0.00% |
| Q3 2025 | 14.71% | 1.83% | 4.36% | 0.01% | 0.00% |
| Q4 2025 | 14.83% | 1.65% | 4.41% | 0.00% | 0.03% |
| Q1 2026 | 15.00% | 1.87% | 4.39% | 0.00% | 0.01% |
| Q2 2026 | 15.39% | 2.28% | 4.58% | 0.01% | -0.01% |
Citizens Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank and Trust Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 823) · FFIEC NIC profile (RSSD 991621)