Citizens Bank of the Midwest: 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: 402.40 percentage points lower than in Q1 2026, at 390.00%. Citizens Bank of the Midwest ranks 164th of 192 Missouri banks on return on assets, in the lower half at 0.89% (Q2 2026). Citizens Bank of the Midwest reported 0.89% on return on assets for Q2 2026, 0.36 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.83% |
| Tier 1 risk-based capital ratio | 11.83% |
| Total risk-based capital ratio | 13.03% |
| Tier 1 leverage ratio | 8.39% |
| Equity capital to assets | 5.96% |
| Tangible equity to tangible assets | 5.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 2.59% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 37.86% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 390.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 15.80% |
| Net interest margin | 2.98% |
| Efficiency ratio | 60.30% |
| Yield on earning assets | 5.90% |
| Cost of funds | 2.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.64% |
| Core deposits to total deposits | 81.75% |
| Brokered deposits to total deposits | 13.04% |
| Deposits to assets | 80.42% |
| Securities to assets | 17.45% |
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 | — | — | — | 8.80% | 0.52% |
| Q4 2023 | 12.20% | 12.20% | 13.45% | 8.49% | 0.05% |
| Q1 2024 | 11.61% | 11.61% | 12.86% | 8.28% | 0.78% |
| Q2 2024 | 12.58% | 12.58% | 13.83% | 8.52% | 0.66% |
| Q3 2024 | 11.83% | 11.83% | 13.08% | 8.65% | 0.92% |
| Q4 2024 | 12.11% | 12.11% | 13.36% | 8.68% | 0.58% |
| Q1 2025 | 11.95% | 11.95% | 13.20% | 8.72% | 1.28% |
| Q2 2025 | 11.50% | 11.50% | 12.69% | 8.34% | 1.03% |
| Q3 2025 | 12.02% | 12.02% | 13.25% | 8.29% | 1.09% |
| Q4 2025 | 11.90% | 11.90% | 13.09% | 8.60% | 0.75% |
| Q1 2026 | 12.01% | 12.01% | 13.21% | 8.11% | 1.07% |
| Q2 2026 | 11.83% | 11.83% | 13.03% | 8.39% | 0.89% |
Citizens Bank of the Midwest vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of the Midwest, 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 the Midwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16126) · FFIEC NIC profile (RSSD 44750)