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Citizens Bank

$100M-$1B Specialty: Agricultural OR FDIC cert 17809

Corvallis, OR

14 branches across OR

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 11 in OR.
  • Deposits -3.0% year over year ($702.5M on the books).
  • Delinquency rate 0.04%.
  • Return on assets 0.18%.
  • Efficiency ratio 89.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 54.53% 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 11 in OR
View $100M-$1B leaderboard (OR) →

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

  • + Non-Interest-Bearing Deposit Share 26.12% above tier average
  • + Delinquency Rate 0.88% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 7.7% in tier
  • - Efficiency Drag: Bottom 42.1% in tier
  • - Return on Assets 1.15% below tier average
  • - Net Interest Margin 0.49% below tier average
Get updates when Citizens Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Total Assets ? $823.4M
-1.1% YoY +1.6% QoQ
+$436.8M $386.6M
+1.2% YoY
$5.7B
+22.7% YoY
$6.3B
+7.7% YoY
Top 6.8% in tier
Total Loans ? $383.1M
+5.1% YoY +5.9% QoQ
+$124.7M $258.3M
+1.7% YoY
$4.0B
+22.6% YoY
$3.2B
+9.4% YoY
77%
Total Deposits ? $702.5M
-3.0% YoY +2.4% QoQ
+$375.8M $326.7M
+0.7% YoY
$4.6B
+21.5% YoY
$4.9B
+7.3% YoY
Top 6.6% in tier
Return on Assets ? 0.18%
-35.1% YoY -41.2% QoQ
-1.15% 1.32%
+10.8% YoY
1.08%
+20.6% YoY
1.30%
+12.1% YoY
Bottom 5.1% in tier
Net Interest Margin ? 3.50%
-2.6% YoY +0.1% QoQ
-0.49% 3.99%
+5.0% YoY
4.07%
+6.4% YoY
3.95%
+4.9% YoY
28%
Efficiency Ratio ? 89.79%
-0.9% YoY +0.6% QoQ
+25.31% 64.48%
-3.2% YoY
67.33%
-5.7% YoY
70.05%
+2.5% YoY
Bottom 5.9% in tier
Delinquency Rate ? 0.04%
-92.9% YoY -19.6% QoQ
-0.88% 0.92%
+15.7% YoY
0.89%
+33.0% YoY
0.98%
+16.3% YoY
81%
Loan-to-Deposit Ratio ? 54.53%
+8.4% YoY +3.5% QoQ
-23.43% 77.95%
+1.0% YoY
79.79%
+0.1% YoY
79.03%
+2.3% YoY
Top 12.1% in tier
Non-Interest-Bearing Deposit Share ? 48.15%
-6.5% YoY -1.0% QoQ
+26.12% 22.03%
-0.6% YoY
23.65%
+0.1% YoY
21.98%
-0.6% YoY
Top 2.0% in tier
Nonperforming Asset Ratio ? 0.02%
-92.5% YoY -16.1% QoQ
-0.65% 0.67%
+16.4% YoY
0.61%
+33.6% YoY
0.69%
+15.8% YoY
84%
Tier 1 Capital Ratio ? 22.17%
-2.3% YoY -4.1% QoQ
+6.27% 15.91%
+1.4% YoY
15.47%
+2.0% YoY
17.09%
+0.8% YoY
Top 10.1% in tier
Non-Interest Income / Assets ? 0.16%
+0.3% YoY +102.9% QoQ
-0.41% 0.57%
+7.6% YoY
0.29%
-8.1% YoY
0.66%
+5.2% YoY
38%

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 (OR) National Avg Tier Percentile
Noninterest-Bearing 48.2%
-3.3pp YoY
-0.5pp QoQ
 +26.0pp 22.1% 23.6% 22.2% 98%
Brokered Deposits n/a n/a 7.9% 2.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
C&I 9.4%
-1.1pp YoY
+0.2pp QoQ
 -2.2pp 11.6% 11.0% 12.5% 48%
CRE 54.7%
+1.2pp YoY
-0.6pp QoQ
 +15.2pp 39.5% 62.1% 41.4% 77%
1-4 Family 6.2%
-1.3pp YoY
-0.7pp QoQ
 -26.4pp 32.6% 17.1% 31.3% 6%
Consumer 0.4%
-0.2pp YoY
0.0pp QoQ
 -3.7pp 4.1% 1.0% 5.0% 13%

Capital

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
CET1 Ratio 22.2%
-0.5pp YoY
-0.9pp QoQ
 +3.3pp 18.8% 18.9% 19.7% 84%
Leverage Ratio 13.9%
+0.1pp YoY
+0.1pp QoQ
 +1.7pp 12.2% 12.5% 12.6% 81%
Total Capital Ratio 23.4%
-0.5pp YoY
-0.9pp QoQ
 +3.5pp 19.9% 20.0% 20.8% 84%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Full-Time Employees 177
-6 (-3.3%) YoY
-2 (-1.1%) QoQ
 +118 58 526 482 99%
Assets per Employee ($) $4.7M
+2.2% YoY
+2.7% QoQ
 -$2.9M $7.5M $7.4M $8.8M 10%
Branch Count 14
-1 (-6.7%) YoY
-1 (-6.7%) QoQ
 +9 4 35 18 97%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.0%
-0.5pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.9% 1.0% 9%
Allowance Coverage 43.74x
+1392.9% YoY
+23.7% QoQ
 +19.59x 24.15x 7.38x 20.23x 94%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 29%

Profitability

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
ROE 1.7%
-1.2pp YoY
-1.2pp QoQ
 -10.5pp 12.2% 9.1% 11.6% 6%
Cost of Funds (YTD) 0.5%
+0.1pp YoY
0.0pp QoQ
 -1.2pp 1.7% 1.3% 1.7% 2%
Net Income ($, YTD) $729,000
-34.4% YoY
— QoQ
 -$1.8M $2.6M $35.5M $40.4M 17%

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)

Deposit Outflow

decline
#42 of 535 • Bottom 7.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#153 of 361 • Bottom 42.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 89.79%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 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 (8 metrics)

53
Non-Interest-Bearing Deposit Share
funding
Value: 48.15%
Peer Median: 22.03%
#53 of 2643 Top 2.0% in $100M-$1B
175
Total Deposits
size
Value: $702.51M
Peer Median: $326.73M
#175 of 2643 Top 6.6% in $100M-$1B
182
Total Assets
size
Value: $823.40M
Peer Median: $386.57M
#182 of 2643 Top 6.8% in $100M-$1B
268
Tier 1 Capital Ratio
capital
Value: 22.17%
Peer Median: 15.91%
#268 of 2643 Top 10.1% in $100M-$1B
322
Loan-to-Deposit Ratio
liquidity
Value: 54.53%
Peer Median: 77.95%
#322 of 2643 Top 12.1% in $100M-$1B
418
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#418 of 2643 Top 15.8% in $100M-$1B
501
Delinquency Rate
credit_quality
Value: 0.04%
Peer Median: 0.92%
#501 of 2633 Top 19.0% in $100M-$1B
603
Total Loans
size
Value: $383.06M
Peer Median: $258.35M
#603 of 2643 Top 22.8% in $100M-$1B

Top Weaknesses (2 metrics)

2509
Return on Assets
profitability
Value: 0.18%
Peer Median: 1.32%
#2509 of 2643 Bottom 5.1% in $100M-$1B
2487
Efficiency Ratio
profitability
Value: 89.79%
Peer Median: 64.48%
#2487 of 2643 Bottom 5.9% in $100M-$1B
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