Citizens Bank: how it compares with its peers
Against 94 MO banks with half to twice its assets, Citizens Bank's strongest measure in Q2 2026 is net interest margin (6.53% vs. a 4.01% peer median). Its weakest relative measure is assets per employee ($4.1M vs. $6.2M).
| Measure | Citizens Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.43% | 1.33% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.53% | 4.01% | Top third Ahead of 99% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.85% | 60.17% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $6.2M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.51% | 79.39% | Context |
What it means for lending operations
Its efficiency ratio of 59.85% is better than the 60.17% 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
- Progressive Ozark Bank Salem, MO · $191M
- Citizens' Bank of Charleston Charleston, MO · $185M
- State Bank of Southwest Missouri Springfield, MO · $184M
- F&M Bank and Trust Company Hannibal, MO · $182M
- Adrian Bank Adrian, MO · $196M
- NEW FRONTIER BANK Saint Charles, MO · $176M
Questions about Citizens Bank
How big is Citizens Bank?
Citizens Bank, established in 1926, is headquartered in Butler, MO. It reported $188M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Citizens Bank's return on assets?
2.43% annualized in Q2 2026, against a 1.33% median for 94 MO banks with half to twice its assets, ahead of 93% of them.
What is Citizens Bank's efficiency ratio?
59.85% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 60.17%, and lower is better.
Is Citizens Bank growing its loans?
Net loans grew 6.6% over the year to Q2 2026, while deposits grew 0.9%.
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.