Citizens Bank Minnesota: 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 Loan-to-deposit ratio: 2.27 percentage points higher than in Q1 2026, at 81.11%. Within Minnesota, Citizens Bank Minnesota is 181st of 221 on return on assets, 0.89% as of Q2 2026, below the middle of the field. Citizens Bank Minnesota reported 0.89% on return on assets for Q2 2026, 0.37 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.68% |
| Tier 1 risk-based capital ratio | 11.68% |
| Total risk-based capital ratio | 12.33% |
| Tier 1 leverage ratio | 9.33% |
| Equity capital to assets | 9.04% |
| Tangible equity to tangible assets | 8.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.17% |
| Allowance for credit losses to loans | 0.72% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 9.90% |
| Net interest margin | 3.17% |
| Efficiency ratio | 66.55% |
| Yield on earning assets | 4.89% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.11% |
| Core deposits to total deposits | 94.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.69% |
| Securities to assets | 26.29% |
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 | 11.07% | 11.07% | 11.67% | 8.71% | 0.41% |
| Q4 2023 | 10.90% | 10.90% | 11.52% | 8.63% | 0.42% |
| Q1 2024 | 11.14% | 11.14% | 11.77% | 8.84% | 0.34% |
| Q2 2024 | 11.04% | 11.04% | 11.68% | 8.74% | 0.03% |
| Q3 2024 | 11.42% | 11.42% | 12.07% | 9.19% | 0.50% |
| Q4 2024 | 11.18% | 11.18% | 11.83% | 9.13% | 0.31% |
| Q1 2025 | 11.62% | 11.62% | 12.28% | 9.24% | 0.43% |
| Q2 2025 | 11.45% | 11.45% | 12.13% | 9.06% | 0.31% |
| Q3 2025 | 11.37% | 11.37% | 12.04% | 9.14% | 0.68% |
| Q4 2025 | 11.26% | 11.26% | 11.94% | 9.05% | 0.55% |
| Q1 2026 | 11.67% | 11.67% | 12.33% | 9.39% | 0.81% |
| Q2 2026 | 11.68% | 11.68% | 12.33% | 9.33% | 0.89% |
Citizens Bank Minnesota vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8200) · FFIEC NIC profile (RSSD 874050)