Citizens Bank: how it compares with its peers
Against 78 MO banks with half to twice its assets, Citizens Bank's strongest measure in Q2 2026 is net interest margin (4.19% vs. a 4.16% peer median). Its weakest relative measure is return on assets (1.33% vs. 1.56%).
| Measure | Citizens Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.33% | 1.56% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.19% | 4.16% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.56% | 57.56% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.5M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 101.15% | 86.25% | Context |
What it means for lending operations
Its efficiency ratio of 60.56% is above the 57.56% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Bank of Versailles Versailles, MO · $359M
- Heritage Community Bank Union, MO · $348M
- Community Bank of Raymore Raymore, MO · $347M
- Farmers and Merchants Bank of St. Clair Saint Clair, MO · $343M
- Exchange Bank Co. Kahoka, MO · $342M
- Midwest Independent BankersBank Jefferson City, MO · $341M
Questions about Citizens Bank
How big is Citizens Bank?
Citizens Bank, established in 1934, is headquartered in New Haven, MO. It reported $357M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Citizens Bank's return on assets?
1.33% annualized in Q2 2026, against a 1.56% median for 78 MO banks with half to twice its assets, ahead of 33% of them.
What is Citizens Bank's efficiency ratio?
60.56% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 57.56%, and lower is better.
Is Citizens Bank growing its loans?
Net loans shrank 2.7% over the year to Q2 2026, while deposits grew 0.5%.
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.