The Citizens Bank Company: how it compares with its peers
Against 61 OH banks with half to twice its assets, The Citizens Bank Company's strongest measure in Q2 2026 is return on assets (1.46% vs. a 0.86% peer median). Its weakest relative measure is net interest margin (3.74% vs. 3.66%).
| Measure | The Citizens Bank Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 0.86% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.74% | 3.66% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.90% | 72.36% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.4M | Middle third Ahead of 57% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.78% | 82.84% | Context |
What it means for lending operations
Its efficiency ratio of 59.90% is better than the 72.36% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- New Carlisle Federal Savings Bank New Carlisle, OH · $330M
- The Farmers State Bank New Madison, OH · $330M
- RiverHills Bank Milford, OH · $341M
- The Hocking Valley Bank Athens, OH · $354M
- Farmers & Merchants Bank Miamisburg, OH · $359M
- The First National Bank of Bellevue Bellevue, OH · $310M
Questions about The Citizens Bank Company
How big is The Citizens Bank Company?
The Citizens Bank Company, established in 1863, is headquartered in Beverly, OH. It reported $335M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Citizens Bank Company's return on assets?
1.46% annualized in Q2 2026, against a 0.86% median for 61 OH banks with half to twice its assets, ahead of 89% of them.
What is The Citizens Bank Company's efficiency ratio?
59.90% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 72.36%, and lower is better.
Is The Citizens Bank Company growing its loans?
Net loans shrank 6.3% over the year to Q2 2026, while deposits grew 2.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.