Citizens' Bank of Charleston: how it compares with its peers
Against 95 MO banks with half to twice its assets, Citizens' Bank of Charleston's strongest measure in Q2 2026 is efficiency ratio (37.94% vs. a 60.40% peer median). Its weakest relative measure is net interest margin (4.98% vs. 4.02%).
| Measure | Citizens' Bank of Charleston | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.47% | 1.32% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.98% | 4.02% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 37.94% | 60.40% | Top third Ahead of 98% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $6.1M | Top third Ahead of 92% of peers |
| Loans to deposits Net loans and leases over total deposits. | 101.50% | 79.35% | Context |
What it means for lending operations
Its efficiency ratio of 37.94% is better than the 60.40% 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
- State Bank of Southwest Missouri Springfield, MO · $184M
- F&M Bank and Trust Company Hannibal, MO · $182M
- Citizens Bank Butler, MO · $188M
- Progressive Ozark Bank Salem, MO · $191M
- NEW FRONTIER BANK Saint Charles, MO · $176M
- Adrian Bank Adrian, MO · $196M
Questions about Citizens' Bank of Charleston
How big is Citizens' Bank of Charleston?
Citizens' Bank of Charleston, established in 1958, is headquartered in Charleston, MO. It reported $185M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Citizens' Bank of Charleston's return on assets?
2.47% annualized in Q2 2026, against a 1.32% median for 95 MO banks with half to twice its assets, ahead of 94% of them.
What is Citizens' Bank of Charleston's efficiency ratio?
37.94% in Q2 2026: it spent about 38 cents in noninterest expense for each dollar of revenue. The peer median is 60.40%, and lower is better.
Is Citizens' Bank of Charleston growing its loans?
Net loans grew 7.2% over the year to Q2 2026, while deposits grew 5.4%.
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.