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 Reserve coverage of non-performing loans: 26.77 percentage points higher than in Q1 2026, at 329.85%. Citizens Community Bank ranks 137th of 192 Missouri banks on return on assets, in the lower half at 1.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Citizens Community Bank sits 0.13 points lower, at 1.13% (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 | 11.56% |
| Equity capital to assets | 11.51% |
| Tangible equity to tangible assets | 11.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.35% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 2.48% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 329.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 9.92% |
| Net interest margin | 3.96% |
| Efficiency ratio | 62.59% |
| Yield on earning assets | 5.74% |
| Cost of funds | 1.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.54% |
| Core deposits to total deposits | 88.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.29% |
| Securities to assets | 17.98% |
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 | 12.47% | 1.05% | 3.59% | 0.58% | 0.00% |
| Q4 2023 | 12.56% | 1.37% | 3.51% | 0.42% | 0.00% |
| Q1 2024 | 12.04% | 1.11% | 3.36% | 0.41% | 0.00% |
| Q2 2024 | 12.04% | 0.64% | 3.12% | 0.79% | 0.00% |
| Q3 2024 | 11.92% | 0.87% | 3.31% | 0.20% | 0.11% |
| Q4 2024 | 11.91% | 0.83% | 3.42% | 0.38% | 0.02% |
| Q1 2025 | 11.54% | 0.63% | 3.17% | 0.35% | -0.01% |
| Q2 2025 | 11.37% | 0.89% | 3.45% | 0.54% | 0.00% |
| Q3 2025 | 11.57% | 1.09% | 3.67% | 0.51% | 0.00% |
| Q4 2025 | 11.69% | 1.19% | 3.85% | 0.53% | -0.01% |
| Q1 2026 | 11.58% | 1.24% | 3.84% | 0.38% | 0.47% |
| Q2 2026 | 11.56% | 1.13% | 3.96% | 0.35% | 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 12694) · FFIEC NIC profile (RSSD 578554)