Citizens Savings Bank: how it compares with its peers
Against 45 PA banks with half to twice its assets, Citizens Savings Bank's strongest measure in Q2 2026 is assets per employee ($6.4M vs. a $6.8M peer median). Its weakest relative measure is return on assets (0.24% vs. 0.87%).
| Measure | Citizens Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.24% | 0.87% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.57% | 3.35% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.44% | 69.60% | Bottom third Ahead of 9% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.8M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.10% | 78.48% | Context |
What it means for lending operations
Its efficiency ratio of 88.44% is above the 69.60% 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
- Commercial Bank and Trust of PA Latrobe, PA · $357M
- West View Savings Bank Pittsburgh, PA · $365M
- Greenville Savings Bank Greenville, PA · $343M
- First United National Bank Fryburg, PA · $386M
- Altoona First Savings Bank Altoona, PA · $329M
- Sewickley Savings Bank Sewickley, PA · $316M
Questions about Citizens Savings Bank
How big is Citizens Savings Bank?
Citizens Savings Bank, established in 1902, is headquartered in Clarks Summit, PA. It reported $359M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Citizens Savings Bank's return on assets?
0.24% annualized in Q2 2026, against a 0.87% median for 45 PA banks with half to twice its assets, ahead of 4% of them.
What is Citizens Savings Bank's efficiency ratio?
88.44% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 69.60%, and lower is better.
Is Citizens Savings Bank growing its loans?
Net loans grew 1.8% over the year to Q2 2026, while deposits grew 1.4%.
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 PA 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 Pennsylvania bank ranked.