The Citizens Bank: 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 climbed 333.92 percentage points in Q2 2026, from 9110.53% to 9444.44%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, The Citizens Bank is 18th of 119 on return on assets, 1.96% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, The Citizens Bank reported 1.96% on return on assets in Q2 2026, 0.71 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.67% |
| Equity capital to assets | 11.55% |
| Tangible equity to tangible assets | 11.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 2.15% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 9444.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.96% |
| Return on equity | 17.35% |
| Net interest margin | 4.00% |
| Efficiency ratio | 53.81% |
| Yield on earning assets | 6.12% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.10% |
| Core deposits to total deposits | 89.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.89% |
| Securities to assets | 19.80% |
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 | 12.33% | 0.99% | 3.26% | 0.06% | 0.06% |
| Q4 2023 | 12.83% | 1.11% | 3.13% | 0.11% | 0.05% |
| Q1 2024 | 12.64% | 0.85% | 3.00% | 0.07% | 0.07% |
| Q2 2024 | 12.70% | 1.22% | 3.00% | 0.07% | 0.08% |
| Q3 2024 | 12.68% | 0.76% | 3.00% | 0.04% | 0.04% |
| Q4 2024 | 12.85% | 1.14% | 3.21% | 0.03% | 0.02% |
| Q1 2025 | 12.84% | 1.07% | 3.32% | 0.03% | 0.10% |
| Q2 2025 | 12.74% | 1.55% | 3.65% | 0.03% | -0.03% |
| Q3 2025 | 12.29% | 1.42% | 3.92% | 0.03% | 0.09% |
| Q4 2025 | 12.26% | 1.73% | 4.03% | 0.04% | 0.14% |
| Q1 2026 | 12.44% | 1.49% | 3.97% | 0.01% | 0.04% |
| Q2 2026 | 12.67% | 1.96% | 4.00% | 0.01% | 0.03% |
The Citizens Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9306) · FFIEC NIC profile (RSSD 617145)