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Citizens First National Bank: Return on Average Equity

15.38% Ranks #1,124 of 3,651 U.S. banks · 69th percentile

Data as of · sourced from FFIEC call reports. How we update

Citizens First National Bank reported a return on average equity of 15.38% as of Q2 2026, ranking #1,124 of 3,651 U.S. banks (69th percentile). Return on Equity (ROE) is the rate of return banks earn on common shareholders' equity, the standard equity-investor measure of bank profitability.

12-Quarter Trend

Q3 2023 Latest
Q2 2026 15.38%
Q1 2026 17.95%
Q4 2025 25.92%
Q3 2025 17.69%
Q2 2025 16.25%
Q1 2025 15.73%
Q4 2024 26.92%
Q3 2024 12.06%
Q2 2024 18.29%
Q1 2024 18.92%
Q4 2023 -258.11%
Q3 2023 21.23%

National Context

Latest value 15.38%
National rank#1,124 of 3,651
Percentile 69th
12-quarter low-258.11%
12-quarter high26.92%
Full rankingView leaderboard

What is the Return on Average Equity?

Return on Average Equity measures net income against the bank's average shareholders' equity. It is the most-watched profitability metric for equity investors, the rate of return earned on the shareholders' invested capital.

Most healthy US community banks report ROE between 8% and 15%. Above 15% is excellent. Below 6% means the bank is likely destroying value relative to its cost of equity (typically estimated at 8–10% for community banks).

Full definition & formula →

Frequently asked questions

What is Citizens First National Bank's Return on Average Equity?

Citizens First National Bank's Return on Average Equity was 15.38% as of Q2 2026, ranking #1124 of 3,651 U.S. banks.

What is the Return on Average Equity?

Return on Average Equity measures net income against the bank's average shareholders' equity. It is the most-watched profitability metric for equity investors, the rate of return earned on the shareholders' invested capital.

Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Citizens First National Bank profile or how this data updates. The figures come from the bank's call report.

Regulator records: FDIC BankFind (cert 4511) · FFIEC NIC profile (RSSD 424240)