Citizens Savings 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.
Securities to assets climbed 1.13 percentage points in Q2 2026, from 13.18% to 14.32%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Citizens Savings Bank is 58th of 103 on return on assets, 1.18% 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 Savings Bank sits 0.08 points lower, at 1.18% (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 | 14.33% |
| Equity capital to assets | 13.62% |
| Tangible equity to tangible assets | 13.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.54% |
| Non-performing assets ratio | 2.87% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 18.38% |
| Allowance for credit losses to loans | 2.65% |
| Reserve coverage of non-performing loans | 74.98% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 8.84% |
| Net interest margin | 4.73% |
| Efficiency ratio | 69.78% |
| Yield on earning assets | 6.68% |
| Cost of funds | 2.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.31% |
| Core deposits to total deposits | 85.91% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.80% |
| Securities to assets | 14.32% |
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 | 14.23% | 0.50% | 4.08% | 4.04% | 0.04% |
| Q4 2023 | 14.26% | 0.40% | 4.08% | 3.98% | 0.01% |
| Q1 2024 | 14.09% | 0.76% | 4.11% | 3.87% | -0.02% |
| Q2 2024 | 14.10% | 0.67% | 4.23% | 3.75% | 0.01% |
| Q3 2024 | 13.92% | 0.58% | 4.16% | 3.95% | 0.03% |
| Q4 2024 | 13.74% | 0.70% | 4.19% | 1.87% | -0.03% |
| Q1 2025 | 13.92% | 0.98% | 4.40% | 3.65% | 0.32% |
| Q2 2025 | 13.87% | 0.94% | 4.37% | 3.97% | 0.02% |
| Q3 2025 | 14.07% | 0.98% | 4.49% | 3.91% | 0.39% |
| Q4 2025 | 14.05% | 0.16% | 4.61% | 3.59% | 0.09% |
| Q1 2026 | 14.38% | 1.36% | 4.77% | 3.53% | 0.32% |
| Q2 2026 | 14.33% | 1.18% | 4.73% | 3.54% | 0.03% |
Citizens Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30270) · FFIEC NIC profile (RSSD 1014376)