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 150.93 percentage points in Q2 2026, from 1497.96% to 1648.89%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, The Citizens Bank is 13th of 119 on return on assets, 2.08% 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 2.08% on return on assets in Q2 2026, 0.82 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.04% |
| Tier 1 risk-based capital ratio | 16.04% |
| Total risk-based capital ratio | 17.27% |
| Tier 1 leverage ratio | 8.72% |
| Equity capital to assets | 8.30% |
| Tangible equity to tangible assets | 7.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 0.50% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 1648.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.08% |
| Return on equity | 25.33% |
| Net interest margin | 4.78% |
| Efficiency ratio | 59.95% |
| Yield on earning assets | 5.48% |
| Cost of funds | 0.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.65% |
| Core deposits to total deposits | 97.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.57% |
| Securities to assets | 18.14% |
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 | 14.05% | 14.05% | 15.21% | 7.41% | 1.27% |
| Q4 2023 | 14.04% | 14.04% | 15.20% | 7.66% | 1.95% |
| Q1 2024 | 14.67% | 14.67% | 15.85% | 8.18% | 1.29% |
| Q2 2024 | 14.28% | 14.28% | 15.42% | 7.95% | 1.56% |
| Q3 2024 | 14.47% | 14.47% | 15.61% | 8.24% | 1.91% |
| Q4 2024 | 14.19% | 14.19% | 15.34% | 8.05% | 0.28% |
| Q1 2025 | 14.96% | 14.96% | 16.15% | 8.27% | 1.75% |
| Q2 2025 | 14.75% | 14.75% | 15.96% | 7.88% | 1.84% |
| Q3 2025 | 15.20% | 15.20% | 16.38% | 8.11% | 2.14% |
| Q4 2025 | 15.53% | 15.53% | 16.75% | 8.07% | 2.13% |
| Q1 2026 | 16.35% | 16.35% | 17.58% | 8.87% | 2.20% |
| Q2 2026 | 16.04% | 16.04% | 17.27% | 8.72% | 2.08% |
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 10520) · FFIEC NIC profile (RSSD 962313)