Citizens Bank of the Midwest: how it compares with its peers
Against 92 MO banks with half to twice its assets, Citizens Bank of the Midwest's strongest measure in Q2 2026 is assets per employee ($6.8M vs. a $6.1M peer median). Its weakest relative measure is net interest margin (3.17% vs. 4.05%).
| Measure | Citizens Bank of the Midwest | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.03% | 1.36% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.17% | 4.05% | Bottom third Ahead of 5% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.85% | 59.90% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $6.1M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.54% | 81.52% | Context |
What it means for lending operations
Its efficiency ratio of 58.85% is better than the 59.90% 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 Grandin Grandin, MO · $241M
- St. Clair County State Bank Osceola, MO · $232M
- Bank of Weston Weston, MO · $246M
- Citizens Bank of Eldon Eldon, MO · $247M
- Peoples Bank Cuba, MO · $249M
- First State Bank of the Ozarks Purdy, MO · $249M
Questions about Citizens Bank of the Midwest
How big is Citizens Bank of the Midwest?
Citizens Bank of the Midwest, established in 1944, is headquartered in Rolla, MO. It reported $238M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Citizens Bank of the Midwest's return on assets?
1.03% annualized in Q2 2026, against a 1.36% median for 92 MO banks with half to twice its assets, ahead of 24% of them.
What is Citizens Bank of the Midwest's efficiency ratio?
58.85% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 59.90%, and lower is better.
Is Citizens Bank of the Midwest growing its loans?
Net loans grew 1.6% over the year to Q2 2026, while deposits shrank 3.3%.
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.