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Citizens Savings Bank

$100M-$1B Specialty: Mortgage PA FDIC cert 31184

Designations: ✓ Mutual

Clarks Summit, PA

6 branches across PA

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 55 in PA.
  • Deposits +1.4% year over year ($304.0M on the books).
  • Delinquency rate 0.27%.
  • Return on assets 0.24%.
  • Efficiency ratio 88.44% vs a 64.48% peer average.
  • Loan-to-deposit ratio 98.10% 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 55 in PA
View $100M-$1B leaderboard (PA) →

Citizens Savings Bank has 1 strength but faces 6 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

  • + Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 3.2% in tier
  • - Liquidity Strain: Bottom 28.9% in tier
  • - Efficiency Drag: Bottom 41.3% in tier
  • - Return on Assets 1.08% below tier average
  • - Net Interest Margin 1.41% below tier average
  • - Non-Interest-Bearing Deposit Share 12.63% below tier average
Get updates when Citizens Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $359.0M
+1.5% YoY +0.0% QoQ
-$27.6M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $298.2M
+1.8% YoY +2.6% QoQ
+$39.9M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
67%
Total Deposits ? $304.0M
+1.4% YoY -0.1% QoQ
-$22.7M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
56%
Return on Assets ? 0.24%
-19.8% YoY +49.4% QoQ
-1.08% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Bottom 6.4% in tier
Net Interest Margin ? 2.57%
+3.1% YoY +0.3% QoQ
-1.41% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 3.5% in tier
Efficiency Ratio ? 88.44%
+2.4% YoY -3.0% QoQ
+23.96% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
Bottom 6.7% in tier
Delinquency Rate ? 0.27%
-39.5% YoY +5.8% QoQ
-0.65% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
59%
Loan-to-Deposit Ratio ? 98.10%
+0.4% YoY +2.7% QoQ
+20.14% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 12.4% in tier
Non-Interest-Bearing Deposit Share ? 9.40%
+3.7% YoY +1.4% QoQ
-12.63% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
Bottom 9.5% in tier
Nonperforming Asset Ratio ? 0.23%
-39.3% YoY +8.6% QoQ
-0.44% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
58%
Tier 1 Capital Ratio ? 29.63%
-1.4% YoY -1.6% QoQ
+13.73% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Top 4.2% in tier
Non-Interest Income / Assets ? 0.16%
+7.3% YoY +142.6% QoQ
-0.41% 0.57%
+7.6% YoY
1.47%
+21.0% 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 (PA) National Avg Tier Percentile
Noninterest-Bearing 9.4%
+0.3pp YoY
+0.1pp QoQ
 -12.8pp 22.1% 18.7% 22.2% 9%
Brokered Deposits n/a n/a 7.9% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I n/a n/a 11.6% 8.6% 12.5% n/a
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 100.1%
0.0pp YoY
-0.1pp QoQ
 +67.5pp 32.6% 47.8% 31.3% 100%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 3.8% 5.0% 4%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 29.6%
-0.4pp YoY
-0.5pp QoQ
 +10.8pp 18.8% 22.3% 19.7% 93%
Leverage Ratio 15.1%
0.0pp YoY
0.0pp QoQ
 +3.0pp 12.2% 13.2% 12.6% 87%
Total Capital Ratio 30.2%
-0.4pp YoY
-0.5pp QoQ
 +10.3pp 19.9% 23.3% 20.8% 92%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 56
-5 (-8.2%) YoY
-1 (-1.8%) QoQ
 -3 58 299 482 60%
Assets per Employee ($) $6.4M
+10.5% YoY
+1.8% QoQ
 -$1.1M $7.5M $9.2M $8.8M 41%
Branch Count 6
0 YoY
0 QoQ
 +1 4 20 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.3%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.9% 1.0% 36%
Allowance Coverage 1.25x
+64.0% YoY
-7.3% QoQ
 -22.90x 24.15x 3.63x 20.23x 34%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 37%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 1.6%
-0.5pp YoY
+0.5pp QoQ
 -10.6pp 12.2% 10.2% 11.6% 5%
Cost of Funds (YTD) 1.5%
0.0pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 34%
Net Income ($, YTD) $437,000
-19.7% YoY
— QoQ
 -$2.1M $2.6M $18.2M $40.4M 9%

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 (3)

Liquidity Overhang

risk
#25 of 742 • Bottom 3.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 29.63%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 98.10%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Liquidity Strain

risk
#201 of 691 • Bottom 28.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.10%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Efficiency Drag

risk
#150 of 361 • Bottom 41.3% in tier

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

Why this signature
Efficiency Ratio: 88.44%
(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 (1 metrics)

111
Tier 1 Capital Ratio
capital
Value: 29.63%
Peer Median: 15.91%
#111 of 2643 Top 4.2% in $100M-$1B

Top Weaknesses (5 metrics)

2552
Net Interest Margin
profitability
Value: 2.57%
Peer Median: 3.99%
#2552 of 2643 Bottom 3.5% in $100M-$1B
2476
Return on Assets
profitability
Value: 0.24%
Peer Median: 1.32%
#2476 of 2643 Bottom 6.4% in $100M-$1B
2466
Efficiency Ratio
profitability
Value: 88.44%
Peer Median: 64.48%
#2466 of 2643 Bottom 6.7% in $100M-$1B
2393
Non-Interest-Bearing Deposit Share
funding
Value: 9.40%
Peer Median: 22.03%
#2393 of 2643 Bottom 9.5% in $100M-$1B
2316
Loan-to-Deposit Ratio
liquidity
Value: 98.10%
Peer Median: 77.95%
#2316 of 2643 Bottom 12.4% in $100M-$1B
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