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Citizens Community Bank

$100M-$1B Specialty: Commercial TN FDIC cert 33739

Winchester, TN

4 branches across TN · AL

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 72 in TN.
  • Deposits -1.6% year over year ($303.2M on the books).
  • Delinquency rate 0.38%.
  • Return on assets 1.79%.
  • Efficiency ratio 39.82% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.53% 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 72 in TN
View $100M-$1B leaderboard (TN) →

Citizens Community Bank has 4 strengths but faces 2 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

  • + Efficiency Ratio 24.65% below tier average
  • + ROA 0.47% above tier average
  • + Net Interest Margin 0.29% above tier average
  • + Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 33.9% in tier
  • - Credit Risk Growth: Bottom 34.9% in tier
Get updates when Citizens Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $352.6M
+0.0% YoY -1.0% QoQ
-$34.0M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $222.9M
+7.0% YoY +3.6% QoQ
-$35.4M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $303.2M
-1.6% YoY -1.4% QoQ
-$23.6M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
56%
Return on Assets ? 1.79%
+5.3% YoY +3.7% QoQ
+0.47% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 4.28%
+5.1% YoY +2.6% QoQ
+0.29% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
69%
Efficiency Ratio ? 39.82%
-12.3% YoY +4.1% QoQ
-24.65% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
Top 3.9% in tier
Delinquency Rate ? 0.38%
+98.0% YoY -17.6% QoQ
-0.54% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
52%
Loan-to-Deposit Ratio ? 73.53%
+8.7% YoY +5.1% QoQ
-4.42% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
63%
Non-Interest-Bearing Deposit Share ? 16.67%
+6.0% YoY -0.3% QoQ
-5.36% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
31%
Nonperforming Asset Ratio ? 0.24%
+111.9% YoY -13.8% QoQ
-0.43% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
57%
Tier 1 Capital Ratio ? 14.58%
+6.7% YoY +2.6% QoQ
-1.33% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.17%
-4.9% YoY +105.5% QoQ
-0.40% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
39%

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 (TN) National Avg Tier Percentile
Noninterest-Bearing 16.7%
+0.9pp YoY
-0.1pp QoQ
 -5.5pp 22.1% 18.8% 22.2% 31%
Brokered Deposits n/a n/a 7.9% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 18.3%
-1.5pp YoY
-0.2pp QoQ
 +6.7pp 11.6% 10.9% 12.5% 85%
CRE n/a n/a 39.5% 42.4% 41.4% n/a
1-4 Family 30.6%
+1.6pp YoY
0.0pp QoQ
 -2.0pp 32.6% 39.8% 31.3% 53%
Consumer 3.0%
-0.4pp YoY
-0.1pp QoQ
 -1.1pp 4.1% 4.5% 5.0% 60%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 14.8% 19.7% n/a
Leverage Ratio 14.6%
+0.9pp YoY
+0.4pp QoQ
 +2.4pp 12.2% 11.4% 12.6% 85%
Total Capital Ratio n/a n/a 19.9% 15.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 42
-1 (-2.3%) YoY
0 QoQ
 -17 58 270 482 44%
Assets per Employee ($) $8.4M
+2.4% YoY
-1.0% QoQ
 +$877K $7.5M $7.1M $8.8M 73%
Branch Count 4
0 YoY
0 QoQ
 -1 4 17 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.2pp YoY
+0.2pp QoQ
 0.0pp 0.3% 0.2% 0.4% 77%
Nonaccrual 0.0%
0.0pp YoY
-0.3pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 8%
Allowance Coverage 3.74x
-54.3% YoY
+15.5% QoQ
 -20.41x 24.15x 28.97x 20.23x 63%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 74%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 14.6%
-0.8pp YoY
+0.2pp QoQ
 +2.4pp 12.2% 10.9% 11.6% 65%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.7% 2.0% 1.7% 66%
Net Income ($, YTD) $3.2M
+7.9% YoY
— QoQ
 +$654K $2.6M $16.7M $40.4M 72%

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)

Credit Quality Pressure

risk
#427 of 1256 • Bottom 33.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.38%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#328 of 936 • Bottom 34.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

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 (2 metrics)

105
Efficiency Ratio
profitability
Value: 39.82%
Peer Median: 64.48%
#105 of 2643 Top 3.9% in $100M-$1B
535
Return on Assets
profitability
Value: 1.79%
Peer Median: 1.32%
#535 of 2643 Top 20.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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