Citizens Bank of Rogersville: how it compares with its peers
Against 81 MO banks with half to twice its assets, Citizens Bank of Rogersville's strongest measure in Q2 2026 is net interest margin (4.28% vs. a 4.01% peer median). Its weakest relative measure is assets per employee ($4.6M vs. $6.1M).
| Measure | Citizens Bank of Rogersville | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.25% | 1.24% | Middle third Ahead of 52% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.28% | 4.01% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.44% | 61.35% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $6.1M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.94% | 75.66% | Context |
What it means for lending operations
Its efficiency ratio of 70.44% is above the 61.35% 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
- HomePride Bank Mansfield, MO · $125M
- The First National Bank of Nevada, Missouri Nevada, MO · $122M
- Kennett Trust Bank Kennett, MO · $122M
- Concordia Bank of Concordia, Missouri Concordia, MO · $130M
- The Hamilton Bank Hamilton, MO · $120M
- Home Savings and Loan Association of Carroll County, F.A. Norborne, MO · $131M
Questions about Citizens Bank of Rogersville
How big is Citizens Bank of Rogersville?
Citizens Bank of Rogersville, established in 1908, is headquartered in Rogersville, MO. It reported $125M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Citizens Bank of Rogersville's return on assets?
1.25% annualized in Q2 2026, against a 1.24% median for 81 MO banks with half to twice its assets, ahead of 52% of them.
What is Citizens Bank of Rogersville's efficiency ratio?
70.44% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 61.35%, and lower is better.
Is Citizens Bank of Rogersville growing its loans?
Net loans shrank 2.8% over the year to Q2 2026, while deposits grew 3.7%.
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.