Citizens First 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: 83.26 percentage points lower than in Q1 2026, at 288.58%. Within Wisconsin, Citizens First Bank is 21st of 153 on return on assets, 1.90% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Citizens First Bank reported 1.90% on return on assets in Q2 2026, 0.64 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.26% |
| Equity capital to assets | 9.57% |
| Tangible equity to tangible assets | 9.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.22% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 288.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.90% |
| Return on equity | 20.14% |
| Net interest margin | 4.32% |
| Efficiency ratio | 58.88% |
| Yield on earning assets | 6.16% |
| Cost of funds | 1.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.24% |
| Core deposits to total deposits | 88.47% |
| Brokered deposits to total deposits | 4.60% |
| Deposits to assets | 82.19% |
| Securities to assets | 19.88% |
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 | 9.72% | 1.06% | 3.23% | 0.63% | -0.02% |
| Q4 2023 | 9.53% | 1.04% | 3.05% | 0.58% | 0.00% |
| Q1 2024 | 9.75% | 0.72% | 3.03% | 0.55% | 0.00% |
| Q2 2024 | 9.67% | 1.02% | 3.08% | 0.56% | -0.01% |
| Q3 2024 | 9.66% | 1.11% | 3.27% | 0.76% | 0.00% |
| Q4 2024 | 9.84% | 1.36% | 3.45% | 0.73% | -0.01% |
| Q1 2025 | 10.38% | 1.13% | 3.49% | 0.73% | 0.01% |
| Q2 2025 | 10.45% | 1.39% | 3.77% | 0.46% | 0.16% |
| Q3 2025 | 10.44% | 1.56% | 3.80% | 0.48% | 0.00% |
| Q4 2025 | 10.54% | 1.27% | 4.05% | 0.53% | -0.13% |
| Q1 2026 | 10.25% | 1.95% | 4.16% | 0.34% | -0.01% |
| Q2 2026 | 10.26% | 1.90% | 4.32% | 0.44% | 0.00% |
Citizens First Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13032) · FFIEC NIC profile (RSSD 716954)