The Citizens State Bank at Mohall: how it compares with its peers
Against 21 ND banks with half to twice its assets, The Citizens State Bank at Mohall's strongest measure in Q2 2026 is net interest margin (3.73% vs. a 3.62% peer median). Its weakest relative measure is efficiency ratio (69.22% vs. 63.74%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.17% | 1.33% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.73% | 3.62% | Middle third Ahead of 52% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.22% | 63.74% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $7.8M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.13% | 58.35% | Context |
What it means for lending operations
Its efficiency ratio of 69.22% is above the 63.74% 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
- Bank of Hazelton Hazelton, ND · $76M
- Heartland State Bank Edgeley, ND · $76M
- First Security Bank - West Beulah, ND · $75M
- Citizens State Bank of Lankin Lankin, ND · $72M
- Peoples State Bank Westhope, ND · $70M
- First State Bank of Harvey Harvey, ND · $95M
Questions about The Citizens State Bank at Mohall
How big is The Citizens State Bank at Mohall?
The Citizens State Bank at Mohall, established in 1915, is headquartered in Mohall, ND. It reported $80M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Citizens State Bank at Mohall's return on assets?
1.17% annualized in Q2 2026, against a 1.33% median for 21 ND banks with half to twice its assets, ahead of 38% of them.
What is The Citizens State Bank at Mohall's efficiency ratio?
69.22% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 63.74%, and lower is better.
Is The Citizens State Bank at Mohall growing its loans?
Net loans grew 2.7% over the year to Q2 2026, while deposits grew 6.0%.
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 ND 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 North Dakota bank ranked.