Citizens Community 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 3654.97 percentage points in Q2 2026, from 485.29% to 4140.26%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Citizens Community Bank is 18th of 109 on return on assets, 1.87% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Citizens Community Bank sits 0.61 points higher, at 1.87% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.58% |
| Equity capital to assets | 12.81% |
| Tangible equity to tangible assets | 12.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 1.76% |
| Allowance for credit losses to loans | 1.41% |
| Reserve coverage of non-performing loans | 4140.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.87% |
| Return on equity | 14.78% |
| Net interest margin | 4.26% |
| Efficiency ratio | 41.21% |
| Yield on earning assets | 6.09% |
| Cost of funds | 2.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.58% |
| Core deposits to total deposits | 88.76% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.98% |
| Securities to assets | 19.03% |
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 | 14.00% | 1.48% | 3.87% | 0.52% | 0.04% |
| Q4 2023 | 13.55% | 1.62% | 3.93% | 2.29% | 0.00% |
| Q1 2024 | 13.50% | 1.47% | 3.79% | 0.65% | 0.02% |
| Q2 2024 | 13.35% | 1.46% | 3.69% | 2.71% | 0.03% |
| Q3 2024 | 13.61% | 1.25% | 3.59% | 2.67% | 1.74% |
| Q4 2024 | 13.17% | 1.84% | 3.95% | 2.16% | -0.02% |
| Q1 2025 | 13.72% | 1.88% | 3.85% | 0.06% | 0.00% |
| Q2 2025 | 13.67% | 1.55% | 4.02% | 0.85% | -0.01% |
| Q3 2025 | 13.93% | 1.77% | 4.02% | 0.11% | -0.01% |
| Q4 2025 | 13.76% | 2.05% | 4.15% | 0.05% | 0.02% |
| Q1 2026 | 14.21% | 1.75% | 4.11% | 0.31% | 0.09% |
| Q2 2026 | 14.58% | 1.87% | 4.26% | 0.03% | 0.08% |
Citizens Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Community 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 Citizens Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33739) · FFIEC NIC profile (RSSD 2002222)