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 dropped 17.19 percentage points in Q2 2026, from 135.16% to 117.97%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Citizens Community Bank is 82nd of 121 on return on assets, 1.30% as of Q2 2026, below 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 0.04 points higher, at 1.30% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.57% |
| Tier 1 risk-based capital ratio | 13.57% |
| Total risk-based capital ratio | 14.75% |
| Tier 1 leverage ratio | 8.94% |
| Equity capital to assets | 6.62% |
| Tangible equity to tangible assets | 6.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.04% |
| Non-performing assets ratio | 0.64% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 9.03% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 117.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 20.35% |
| Net interest margin | 4.03% |
| Efficiency ratio | 66.29% |
| Yield on earning assets | 5.68% |
| Cost of funds | 1.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.26% |
| Core deposits to total deposits | 87.06% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.13% |
| Securities to assets | 26.11% |
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 | 18.38% | 18.38% | 19.43% | 10.94% | 0.92% |
| Q4 2023 | 18.23% | 18.23% | 19.21% | 10.98% | 1.08% |
| Q1 2024 | 18.78% | 18.78% | 19.77% | 11.21% | 1.06% |
| Q2 2024 | 19.02% | 19.02% | 20.07% | 11.57% | 1.18% |
| Q3 2024 | 19.07% | 19.07% | 20.17% | 11.65% | 0.94% |
| Q4 2024 | 17.81% | 17.81% | 18.87% | 11.40% | 1.10% |
| Q1 2025 | 17.59% | 17.59% | 18.71% | 10.92% | 0.84% |
| Q2 2025 | 17.12% | 17.12% | 18.25% | 10.99% | 1.30% |
| Q3 2025 | 17.25% | 17.25% | 18.42% | 11.20% | 1.48% |
| Q4 2025 | 13.10% | 13.10% | 14.22% | 9.01% | 1.48% |
| Q1 2026 | 13.40% | 13.40% | 14.55% | 8.99% | 1.51% |
| Q2 2026 | 13.57% | 13.57% | 14.75% | 8.94% | 1.30% |
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 12079) · FFIEC NIC profile (RSSD 564838)