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.
The standout move of Q2 2026 was in Non-performing loans to loans: 3.69 percentage points higher than in Q1 2026, at 10.29%. Citizens Community Bank has the 5th lowest return on assets of the 323 banks headquartered in Illinois, at -1.21% as of Q2 2026. Citizens Community Bank's return on assets of -1.21% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 2.46 points (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 | 9.83% |
| Equity capital to assets | 8.86% |
| Tangible equity to tangible assets | 8.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 10.29% |
| Non-performing assets ratio | 5.85% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 57.51% |
| Allowance for credit losses to loans | 2.84% |
| Reserve coverage of non-performing loans | 27.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.21% |
| Return on equity | -13.59% |
| Net interest margin | 2.36% |
| Efficiency ratio | 76.79% |
| Yield on earning assets | 4.59% |
| Cost of funds | 2.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.00% |
| Core deposits to total deposits | 84.98% |
| Brokered deposits to total deposits | 2.24% |
| Deposits to assets | 84.00% |
| Securities to assets | 36.24% |
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 | 10.49% | -0.46% | 2.29% | 2.15% | 3.16% |
| Q4 2023 | 10.28% | 0.48% | 2.09% | 2.06% | 0.08% |
| Q1 2024 | 10.40% | 0.44% | 2.03% | 1.99% | -0.00% |
| Q2 2024 | 10.46% | 0.52% | 2.18% | 2.19% | 0.00% |
| Q3 2024 | 10.40% | 0.71% | 2.49% | 2.30% | 0.00% |
| Q4 2024 | 10.54% | 0.68% | 2.47% | 2.43% | 0.07% |
| Q1 2025 | 10.76% | 0.81% | 2.60% | 2.40% | 0.06% |
| Q2 2025 | 10.55% | 0.59% | 2.42% | 5.45% | 0.05% |
| Q3 2025 | 10.62% | 0.91% | 2.72% | 5.25% | 0.08% |
| Q4 2025 | 10.47% | 0.42% | 2.65% | 7.25% | 0.11% |
| Q1 2026 | 10.35% | 0.62% | 2.55% | 6.60% | 1.83% |
| Q2 2026 | 9.83% | -1.21% | 2.36% | 10.29% | -0.04% |
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 33753) · FFIEC NIC profile (RSSD 2007991)