Citizens Bank: how it compares with its peers
Against 42 WI banks with half to twice its assets, Citizens Bank's strongest measure in Q2 2026 is efficiency ratio (54.85% vs. a 62.19% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $7.8M).
| Measure | Citizens Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.39% | 1.17% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.84% | 3.77% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.85% | 62.19% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $7.8M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.26% | 90.35% | Context |
What it means for lending operations
Its efficiency ratio of 54.85% is better than the 62.19% 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
- Bank of Wisconsin Dells Wisconsin Dells, WI · $1.08B
- Ixonia Bank Ixonia, WI · $1.08B
- Great Midwest Bank, S.S.B. Brookfield, WI · $1.06B
- Bank Cmg Madison, WI · $1.06B
- Forward Bank Marshfield, WI · $1.28B
- Security Financial Bank Durand, WI · $1.04B
Questions about Citizens Bank
How big is Citizens Bank?
Citizens Bank, established in 1892, is headquartered in Mukwonago, WI. It reported $1.17B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Citizens Bank's return on assets?
1.39% annualized in Q2 2026, against a 1.17% median for 42 WI banks with half to twice its assets, ahead of 57% of them.
What is Citizens Bank's efficiency ratio?
54.85% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 62.19%, and lower is better.
Is Citizens Bank growing its loans?
Net loans grew 4.8% over the year to Q2 2026, while deposits grew 5.8%.
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 WI 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 Wisconsin bank ranked.