Citizens Bank of Rogersville: 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: 32.06 percentage points higher than in Q1 2026, at 537.08%. Citizens Bank of Rogersville ranks 96th of 192 Missouri banks on return on assets, in the upper half at 1.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Citizens Bank of Rogersville sits 0.17 points higher, at 1.42% (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 | 11.37% |
| Equity capital to assets | 11.04% |
| Tangible equity to tangible assets | 10.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.41% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.55% |
| Allowance for credit losses to loans | 2.20% |
| Reserve coverage of non-performing loans | 537.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 13.12% |
| Net interest margin | 4.25% |
| Efficiency ratio | 67.99% |
| Yield on earning assets | 6.19% |
| Cost of funds | 2.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.87% |
| Core deposits to total deposits | 84.89% |
| Brokered deposits to total deposits | 1.88% |
| Deposits to assets | 85.17% |
| Securities to assets | 12.90% |
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 | 10.53% | 0.60% | 3.40% | 0.51% | 0.23% |
| Q4 2023 | 10.71% | 0.67% | 3.58% | 0.17% | 1.68% |
| Q1 2024 | 10.48% | 0.84% | 3.50% | 0.22% | 0.14% |
| Q2 2024 | 10.68% | 0.90% | 3.66% | 0.15% | 0.36% |
| Q3 2024 | 10.59% | 0.59% | 3.67% | 0.43% | -0.02% |
| Q4 2024 | 10.27% | -0.69% | 3.86% | 0.38% | 0.20% |
| Q1 2025 | 10.38% | 0.82% | 3.99% | 0.16% | 0.13% |
| Q2 2025 | 10.51% | 0.90% | 4.08% | 0.47% | 0.05% |
| Q3 2025 | 10.92% | 1.29% | 4.11% | 0.37% | 0.04% |
| Q4 2025 | 11.13% | 0.94% | 4.04% | 0.45% | -0.01% |
| Q1 2026 | 11.18% | 1.07% | 4.11% | 0.43% | -0.03% |
| Q2 2026 | 11.37% | 1.42% | 4.25% | 0.41% | -0.01% |
Citizens Bank of Rogersville vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Rogersville, 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 of Rogersville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8572) · FFIEC NIC profile (RSSD 246451)