Citizens State Bank: how it compares with its peers
Against 35 MI banks with half to twice its assets, Citizens State Bank's strongest measure in Q2 2026 is efficiency ratio (42.14% vs. a 64.58% peer median). Its weakest relative measure is return on assets (1.83% vs. 1.28%).
| Measure | Citizens State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.83% | 1.28% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.86% | 4.12% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 42.14% | 64.58% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.6M | $6.1M | Top third Ahead of 97% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.92% | 76.54% | Context |
What it means for lending operations
Its efficiency ratio of 42.14% is better than the 64.58% 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
- Highpoint Community Bank Hastings, MI · $592M
- Range Bank Marquette, MI · $604M
- Eastern Michigan Bank Croswell, MI · $554M
- Commercial Bank Ithaca, MI · $553M
- Eaton Community Bank Charlotte, MI · $543M
- First Bank, Upper Michigan Gladstone, MI · $629M
Questions about Citizens State Bank
How big is Citizens State Bank?
Citizens State Bank, established in 1910, is headquartered in Royal Oak, MI. It reported $581M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Citizens State Bank's return on assets?
1.83% annualized in Q2 2026, against a 1.28% median for 35 MI banks with half to twice its assets, ahead of 83% of them.
What is Citizens State Bank's efficiency ratio?
42.14% in Q2 2026: it spent about 42 cents in noninterest expense for each dollar of revenue. The peer median is 64.58%, and lower is better.
Is Citizens State Bank growing its loans?
Net loans grew 55.1% over the year to Q2 2026, while deposits grew 41.5%.
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 MI 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 Michigan bank ranked.