Citizens Bank & Trust: 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 386.79 percentage points in Q2 2026, from 1010.71% to 1397.50%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank & Trust ranks 124th of 192 Missouri banks on return on assets, in the lower half at 1.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Citizens Bank & Trust reported 1.22% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.50% |
| Equity capital to assets | 11.15% |
| Tangible equity to tangible assets | 11.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 0.32% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 1397.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 11.38% |
| Net interest margin | 3.69% |
| Efficiency ratio | 68.28% |
| Yield on earning assets | 4.76% |
| Cost of funds | 1.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.54% |
| Core deposits to total deposits | 84.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.37% |
| Securities to assets | 43.44% |
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 | 10.90% | -0.01% | 2.76% | 0.11% | 0.02% |
| Q4 2023 | 11.00% | 0.92% | 2.83% | 0.11% | 0.02% |
| Q1 2024 | 10.31% | 1.02% | 2.89% | 0.11% | 0.03% |
| Q2 2024 | 11.26% | 0.85% | 2.83% | 0.11% | 0.01% |
| Q3 2024 | 12.13% | 0.96% | 2.96% | 0.10% | 0.02% |
| Q4 2024 | 12.46% | 0.81% | 3.20% | 0.08% | 0.30% |
| Q1 2025 | 11.44% | 0.93% | 3.10% | 0.59% | 0.02% |
| Q2 2025 | 12.23% | 1.22% | 3.40% | 0.25% | 0.06% |
| Q3 2025 | 12.74% | 0.62% | 2.93% | 6.01% | 0.00% |
| Q4 2025 | 12.69% | 2.16% | 4.43% | 0.27% | 0.08% |
| Q1 2026 | 11.71% | 1.43% | 3.63% | 0.11% | -0.01% |
| Q2 2026 | 12.50% | 1.22% | 3.69% | 0.08% | 0.11% |
Citizens Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14293) · FFIEC NIC profile (RSSD 964250)