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.
Loan-to-deposit ratio climbed 2.56 percentage points in Q2 2026, from 95.87% to 98.43%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Citizens Savings Bank is 10th from the bottom among 109 Pennsylvania banks, 0.32% (Q2 2026). Citizens Savings Bank's return on assets of 0.32% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.92 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 29.63% |
| Tier 1 risk-based capital ratio | 29.63% |
| Total risk-based capital ratio | 30.21% |
| Tier 1 leverage ratio | 15.12% |
| Equity capital to assets | 14.98% |
| Tangible equity to tangible assets | 14.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.12% |
| Allowance for credit losses to loans | 0.34% |
| Reserve coverage of non-performing loans | 87.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.32% |
| Return on equity | 2.17% |
| Net interest margin | 2.59% |
| Efficiency ratio | 85.84% |
| Yield on earning assets | 4.06% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.43% |
| Core deposits to total deposits | 92.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.69% |
| Securities to assets | 10.52% |
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 | 30.09% | 30.09% | 30.72% | 14.44% | -0.84% |
| Q4 2023 | 30.01% | 30.01% | 30.63% | 14.58% | 0.10% |
| Q1 2024 | 29.23% | 29.23% | 29.87% | 14.07% | -3.22% |
| Q2 2024 | 29.05% | 29.05% | 29.71% | 14.72% | 0.10% |
| Q3 2024 | 29.32% | 29.32% | 29.98% | 14.63% | 0.08% |
| Q4 2024 | 29.46% | 29.46% | 30.08% | 14.67% | 0.68% |
| Q1 2025 | 29.78% | 29.78% | 30.38% | 14.88% | 0.09% |
| Q2 2025 | 30.06% | 30.06% | 30.65% | 15.15% | 0.52% |
| Q3 2025 | 30.33% | 30.33% | 30.92% | 15.11% | 0.12% |
| Q4 2025 | 30.39% | 30.39% | 30.98% | 15.29% | 0.27% |
| Q1 2026 | 30.11% | 30.11% | 30.70% | 15.09% | 0.16% |
| Q2 2026 | 29.63% | 29.63% | 30.21% | 15.12% | 0.32% |
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 31184) · FFIEC NIC profile (RSSD 828473)