Citizens State Bank of Lankin: how it compares with its peers
Against 21 ND banks with half to twice its assets, Citizens State Bank of Lankin's strongest measure in Q2 2026 is net interest margin (4.86% vs. a 3.73% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $7.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.17% | 1.21% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.86% | 3.73% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.06% | 64.79% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $7.8M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.57% | 58.70% | Context |
What it means for lending operations
Its efficiency ratio of 67.06% is above the 64.79% 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
- Peoples State Bank Westhope, ND · $70M
- First Security Bank - West Beulah, ND · $75M
- Heartland State Bank Edgeley, ND · $76M
- Bank of Hazelton Hazelton, ND · $76M
- State Bank of Lakota Lakota, ND · $64M
- The Citizens State Bank at Mohall Mohall, ND · $80M
Questions about Citizens State Bank of Lankin
How big is Citizens State Bank of Lankin?
Citizens State Bank of Lankin, established in 1905, is headquartered in Lankin, ND. It reported $72M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Citizens State Bank of Lankin's return on assets?
1.17% annualized in Q2 2026, against a 1.21% median for 21 ND banks with half to twice its assets, ahead of 38% of them.
What is Citizens State Bank of Lankin's efficiency ratio?
67.06% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 64.79%, and lower is better.
Is Citizens State Bank of Lankin growing its loans?
Net loans grew 6.6% over the year to Q2 2026, while deposits grew 10.4%.
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 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.