The Citizens Bank 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 77.06 percentage points higher than in Q1 2026, at 1073.47%. Within Ohio, The Citizens Bank Company is 51st of 156 on return on assets, 1.32% as of Q2 2026, above the middle of the field. The Citizens Bank Company reported 1.32% on return on assets for Q2 2026, 0.06 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.56% |
| Equity capital to assets | 12.48% |
| Tangible equity to tangible assets | 12.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 1.56% |
| Allowance for credit losses to loans | 2.94% |
| Reserve coverage of non-performing loans | 1073.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 10.85% |
| Net interest margin | 3.96% |
| Efficiency ratio | 58.56% |
| Yield on earning assets | 5.32% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.71% |
| Core deposits to total deposits | 89.72% |
| Brokered deposits to total deposits | 2.56% |
| Deposits to assets | 86.97% |
| Securities to assets | 37.08% |
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 | 12.44% | 1.10% | 3.34% | 0.15% | 0.00% |
| Q4 2023 | 12.71% | 1.21% | 3.45% | 0.13% | -0.00% |
| Q1 2024 | 12.83% | 0.99% | 3.39% | 0.06% | 0.07% |
| Q2 2024 | 12.86% | 1.12% | 3.25% | 0.05% | -0.00% |
| Q3 2024 | 12.50% | 0.89% | 3.43% | 0.05% | 0.00% |
| Q4 2024 | 12.87% | 1.63% | 3.51% | 0.06% | -0.02% |
| Q1 2025 | 13.11% | 1.08% | 3.37% | 0.29% | -0.00% |
| Q2 2025 | 13.09% | 1.22% | 3.78% | 0.31% | -0.00% |
| Q3 2025 | 13.08% | 1.03% | 3.81% | 0.31% | 0.00% |
| Q4 2025 | 13.33% | 1.18% | 3.71% | 0.30% | -0.06% |
| Q1 2026 | 13.79% | 1.59% | 3.97% | 0.29% | 0.07% |
| Q2 2026 | 13.56% | 1.32% | 3.96% | 0.27% | -0.01% |
The Citizens Bank Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank 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 The Citizens Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10266) · FFIEC NIC profile (RSSD 1010015)