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.
The standout move of Q2 2026 was in Return on equity: 5.92 percentage points lower than in Q1 2026, at 7.52%. Citizens Savings Bank has the 21st lowest return on assets of the 225 banks headquartered in Iowa, at 0.74% as of Q2 2026. Citizens Savings Bank reported 0.74% on return on assets for Q2 2026, 0.24 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.90% |
| Equity capital to assets | 10.24% |
| Tangible equity to tangible assets | 10.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.74% |
| Return on equity | 7.52% |
| Net interest margin | 3.91% |
| Efficiency ratio | 76.67% |
| Yield on earning assets | 5.05% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.12% |
| Core deposits to total deposits | 95.77% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.89% |
| Securities to assets | 1.63% |
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 | 14.03% | 14.03% | 14.95% | 9.20% | 1.71% |
| Q4 2023 | 14.68% | 14.68% | 15.64% | 9.27% | 0.82% |
| Q1 2024 | 14.55% | 14.55% | 15.47% | 9.82% | 1.43% |
| Q2 2024 | 13.43% | 13.43% | 14.32% | 9.34% | 1.28% |
| Q3 2024 | 13.84% | 13.84% | 14.73% | 9.57% | 1.45% |
| Q4 2024 | 13.64% | 13.64% | 14.53% | 9.46% | 0.89% |
| Q1 2025 | 14.19% | 14.19% | 15.08% | 9.37% | 1.37% |
| Q2 2025 | 14.53% | 14.53% | 15.41% | 9.52% | 1.50% |
| Q3 2025 | 14.62% | 14.62% | 15.48% | 9.76% | 1.54% |
| Q4 2025 | 15.01% | 15.01% | 15.89% | 9.98% | 0.90% |
| Q1 2026 | 14.49% | 14.49% | 15.33% | 10.46% | 1.39% |
| Q2 2026 | — | — | — | 9.90% | 0.74% |
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 14785) · FFIEC NIC profile (RSSD 474544)