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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.56 percentage points lower than in Q1 2026, at 503.92%. Within South Carolina, The Citizens Bank is 14th of 44 on return on assets, 1.30% as of Q2 2026, above the middle of the field. At 1.30%, The Citizens Bank's return on assets is close to the 1.28% median for banks in the $1B-10B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.33% |
| Tier 1 risk-based capital ratio | 17.33% |
| Total risk-based capital ratio | 18.58% |
| Tier 1 leverage ratio | 9.91% |
| Equity capital to assets | 10.73% |
| Tangible equity to tangible assets | 9.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 2.24% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 503.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 12.34% |
| Net interest margin | 4.26% |
| Efficiency ratio | 59.52% |
| Yield on earning assets | 5.32% |
| Cost of funds | 1.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.30% |
| Core deposits to total deposits | 98.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.41% |
| Securities to assets | 23.82% |
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 | 15.00% | 15.00% | 16.25% | 8.91% | 1.25% |
| Q4 2023 | 14.89% | 14.89% | 16.11% | 9.37% | 1.16% |
| Q1 2024 | 15.98% | 15.98% | 17.23% | 9.63% | 1.11% |
| Q2 2024 | 15.69% | 15.69% | 16.88% | 9.86% | 1.19% |
| Q3 2024 | 16.00% | 16.00% | 17.17% | 9.84% | 1.14% |
| Q4 2024 | 15.80% | 15.80% | 16.94% | 9.53% | 1.12% |
| Q1 2025 | 16.57% | 16.57% | 17.79% | 9.61% | 0.99% |
| Q2 2025 | 16.58% | 16.58% | 17.82% | 10.09% | 1.12% |
| Q3 2025 | 17.44% | 17.44% | 18.69% | 10.35% | 1.27% |
| Q4 2025 | 16.19% | 16.19% | 17.44% | 9.72% | 1.15% |
| Q1 2026 | 16.96% | 16.96% | 18.21% | 9.71% | 1.16% |
| Q2 2026 | 17.33% | 17.33% | 18.58% | 9.91% | 1.30% |
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 15932) · FFIEC NIC profile (RSSD 898627)