Citizens State Bank: how it compares with its peers
Against 20 NE banks with half to twice its assets, Citizens State Bank's strongest measure in Q2 2026 is net interest margin (4.73% vs. a 3.91% peer median). Its weakest relative measure is assets per employee ($7.1M vs. $6.7M).
| Measure | Citizens State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.49% | 1.04% | Top third Ahead of 70% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.73% | 3.91% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.83% | 68.29% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.7M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 112.13% | 75.45% | Context |
What it means for lending operations
Its efficiency ratio of 58.83% is better than the 68.29% 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
- Nebraska State Bank Bristow, NE · $37M
- Bank of Mead Mead, NE · $40M
- Corn Growers State Bank Murdock, NE · $40M
- Nebraska State Bank Lynch, NE · $25M
- Boelus State Bank Boelus, NE · $24M
- First State Bank Hordville, NE · $47M
Questions about Citizens State Bank
How big is Citizens State Bank?
Citizens State Bank, established in 1890, is headquartered in Carleton, NE. It reported $36M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Citizens State Bank's return on assets?
1.49% annualized in Q2 2026, against a 1.04% median for 20 NE banks with half to twice its assets, ahead of 70% of them.
What is Citizens State Bank's efficiency ratio?
58.83% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 68.29%, and lower is better.
Is Citizens State Bank growing its loans?
Net loans grew 9.8% over the year to Q2 2026, while deposits grew 9.0%.
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 NE 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 Nebraska bank ranked.