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Citizens Bank

$100M-$1B Specialty: Commercial TX FDIC cert 16817

Kilgore, TX

11 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +6.5% year over year ($441.6M on the books).
  • Delinquency rate 0.02%.
  • Return on assets 0.79%.
  • Efficiency ratio 75.82% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.24% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Citizens Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.47% above tier average
  • + Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 12.9% in tier
  • - Flatlined Growth: Bottom 20.6% in tier
  • - ROA 0.53% below tier average
  • - Efficiency Ratio 11.34% above tier average
Get updates when Citizens Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $488.8M
-0.1% YoY -1.3% QoQ
+$102.2M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
71%
Total Loans ? $319.0M
+6.9% YoY -1.6% QoQ
+$60.7M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
70%
Total Deposits ? $441.6M
+6.5% YoY -0.6% QoQ
+$114.9M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 0.79%
+19.3% YoY -6.2% QoQ
-0.53% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
23%
Net Interest Margin ? 4.45%
-8.2% YoY +0.3% QoQ
+0.47% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
78%
Efficiency Ratio ? 75.82%
-11.4% YoY +2.5% QoQ
+11.34% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 0.02%
-43.6% YoY -23.5% QoQ
-0.89% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
83%
Loan-to-Deposit Ratio ? 72.24%
+0.4% YoY -1.0% QoQ
-5.71% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
65%
Non-Interest-Bearing Deposit Share ? 26.39%
-7.7% YoY -11.4% QoQ
+4.36% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
71%
Nonperforming Asset Ratio ? 0.02%
-39.6% YoY -23.8% QoQ
-0.65% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
85%
Tier 1 Capital Ratio ? 10.10%
-50.8% YoY +1.9% QoQ
-5.81% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Bottom 12.1% in tier
Non-Interest Income / Assets ? 0.11%
+129.8% YoY +99.1% QoQ
-0.46% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
20%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 26.4%
-2.2pp YoY
-3.4pp QoQ
 +4.2pp 22.1% 29.2% 22.2% 71%
Brokered Deposits 6.8%
0.0pp QoQ
 -1.1pp 7.9% 8.0% 8.5% 63%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 9.3%
-3.7pp YoY
-1.1pp QoQ
 -2.3pp 11.6% 14.8% 12.5% 48%
CRE 78.6%
+1.8pp YoY
+0.9pp QoQ
 +39.1pp 39.5% 48.4% 41.4% 97%
1-4 Family 13.4%
+1.6pp YoY
+0.3pp QoQ
 -19.2pp 32.6% 25.8% 31.3% 16%
Consumer 0.7%
+0.1pp YoY
-0.1pp QoQ
 -3.4pp 4.1% 4.7% 5.0% 21%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 10.1%
-10.4pp YoY
+0.2pp QoQ
 -8.7pp 18.8% 22.7% 19.7% 3%
Leverage Ratio 6.9%
-7.8pp YoY
+0.5pp QoQ
 -5.3pp 12.2% 12.6% 12.6% 0%
Total Capital Ratio 11.4%
-10.4pp YoY
+0.2pp QoQ
 -8.6pp 19.9% 23.8% 20.8% 3%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 100
-3 (-2.9%) YoY
-2 (-2.0%) QoQ
 +41 58 186 482 87%
Assets per Employee ($) $4.9M
+2.9% YoY
+0.7% QoQ
 -$2.6M $7.5M $10.1M $8.8M 13%
Branch Count 11
-1 (-8.3%) YoY
-1 (-8.3%) QoQ
 +6 4 12 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.3% 0.4% 28%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 107.18x
+50.5% YoY
+34.2% QoQ
 +83.03x 24.15x 18.82x 20.23x 97%
Net Charge-off Rate (YTD) -0.0%
+2.6pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 11%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 8.4%
+3.8pp YoY
+0.5pp QoQ
 -3.8pp 12.2% 13.2% 11.6% 28%
Cost of Funds (YTD) 1.6%
+0.2pp YoY
+0.1pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 46%
Net Income ($, YTD) $2.0M
+22.4% YoY
— QoQ
 -$581K $2.6M $15.9M $40.4M 51%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#86 of 661 • Bottom 12.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.10%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Flatlined Growth

risk
#110 of 529 • Bottom 20.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.79%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

399
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#399 of 2643 Top 15.1% in $100M-$1B
436
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.92%
#436 of 2633 Top 16.5% in $100M-$1B
589
Net Interest Margin
profitability
Value: 4.45%
Peer Median: 3.99%
#589 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (4 metrics)

2323
Tier 1 Capital Ratio
capital
Value: 10.10%
Peer Median: 15.91%
#2323 of 2643 Bottom 12.1% in $100M-$1B
2139
Efficiency Ratio
profitability
Value: 75.82%
Peer Median: 64.48%
#2139 of 2643 Bottom 19.1% in $100M-$1B
2103
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2103 of 2643 Bottom 20.5% in $100M-$1B
2037
Return on Assets
profitability
Value: 0.79%
Peer Median: 1.32%
#2037 of 2643 Bottom 23.0% in $100M-$1B
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