Citizens Community Bank: how it compares with its peers
Against 84 MO banks with half to twice its assets, Citizens Community Bank's strongest measure in Q2 2026 is assets per employee ($6.8M vs. a $6.0M peer median). Its weakest relative measure is return on assets (1.19% vs. 1.24%).
| Measure | Citizens Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.19% | 1.24% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 3.99% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.35% | 62.10% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $6.0M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.66% | 78.82% | Context |
What it means for lending operations
Its efficiency ratio of 61.35% is better than the 62.10% 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
- Four States Bank Carthage, MO · $142M
- Bank of Crocker Waynesville, MO · $143M
- Community Bank of El Dorado Springs El Dorado Springs, MO · $144M
- Alton Bank Alton, MO · $145M
- Jonesburg State Bank Jonesburg, MO · $146M
- Independent Farmers Bank Maysville, MO · $147M
Questions about Citizens Community Bank
How big is Citizens Community Bank?
Citizens Community Bank, established in 1913, is headquartered in Pilot Grove, MO. It reported $143M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Citizens Community Bank's return on assets?
1.19% annualized in Q2 2026, against a 1.24% median for 84 MO banks with half to twice its assets, ahead of 45% of them.
What is Citizens Community Bank's efficiency ratio?
61.35% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 62.10%, and lower is better.
Is Citizens Community Bank growing its loans?
Net loans grew 8.6% 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 MO 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 Missouri bank ranked.