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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Corvallis, OR · FDIC certificate #17809 · RSSD 98463
CITIZENS BANK is an FDIC-insured institution based in Corvallis, OR (FDIC certificate #17809). In its Q3 2026 Call Report it reported total assets of $839M, total deposits of $729M and net loans of $379M. Its primary federal regulator is FDIC. Its current parent is CITIZENS BANCORP.
Plain-language readout
CITIZENS BANK is compared with 795 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Efficiency ratio (official UBPR): CITIZENS BANK reported 0.828, in the 86.8th percentile of 795 peers, where the median is 0.656. Net interest margin (official UBPR): CITIZENS BANK reported 0.030, in the 49.5th percentile of 795 peers, where the median is 0.030. Interest Income (TE) as a percent of Average Assets: CITIZENS BANK reported 0.040, in the 8.2th percentile of 795 peers, where the median is 0.049. Interest Expense as a percent of Average Assets: CITIZENS BANK reported 0.012, in the 7.7th percentile of 795 peers, where the median is 0.021. Net Interest Income (TE) % of Avg Assets: CITIZENS BANK reported 0.028, in the 42.7th percentile of 795 peers, where the median is 0.029. Noninterest Income as a percent of Average Assets: CITIZENS BANK reported 0.003, in the 15.4th percentile of 795 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: CITIZENS BANK reported 0.025, in the 63.2th percentile of 795 peers, where the median is 0.023. Provision for Loan Losses % of Avg Assets: CITIZENS BANK reported 0.002, in the 76.6th percentile of 795 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: CITIZENS BANK reported 0.004, in the 10.5th percentile of 795 peers, where the median is 0.011. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: CITIZENS BANK reported 0.000, in the 9.1th percentile of 795 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: CITIZENS BANK reported 0.004, in the 9.8th percentile of 795 peers, where the median is 0.011. Net Operating Income as a percent of Average Assets: CITIZENS BANK reported 0.003, in the 9.6th percentile of 795 peers, where the median is 0.009. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: CITIZENS BANK reported 0.003, in the 9.7th percentile of 795 peers, where the median is 0.009. Average Earning Assets as a percent of Average Assets: CITIZENS BANK reported 0.915, in the 7.4th percentile of 795 peers, where the median is 0.954. Average Interest-Bearing Funds as a percent of Average Assets: CITIZENS BANK reported 0.562, in the 6.2th percentile of 795 peers, where the median is 0.728. Interest Income (TE) as a percent of Average Earning Assets: CITIZENS BANK reported 0.043, in the 11.0th percentile of 795 peers, where the median is 0.052. Net Interest Income (TE) as a percent of Average Earning Assets: CITIZENS BANK reported 0.030, in the 48.6th percentile of 795 peers, where the median is 0.031. Net Loss as a percent of Average Total Loans and Leases: CITIZENS BANK reported 0.001, in the 79.4th percentile of 787 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: CITIZENS BANK reported 0.004, in the 63.9th percentile of 787 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: CITIZENS BANK reported 0.543, in the 4.4th percentile of 790 peers, where the median is 0.861. Net Income Attributed to Minority Interests as a percent of Average Assets: CITIZENS BANK reported 0.000, in the 0.5th percentile of 795 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: CITIZENS BANK reported 0.000, in the 7.1th percentile of 795 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: CITIZENS BANK reported 0.000, in the 28.8th percentile of 795 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): CITIZENS BANK reported 0.005, in the 12.7th percentile of 795 peers, where the median is 0.012. Return on assets (official UBPR): CITIZENS BANK reported 0.003, in the 9.6th percentile of 795 peers, where the median is 0.009. Return on equity (official UBPR): CITIZENS BANK reported 0.044, in the 14.9th percentile of 794 peers, where the median is 0.098.
Peer history below covers 15 quarters of CITIZENS BANK's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Efficiency ratio (official UBPR) | 0.828 | 0.656 | 86.8th | 795 |
| Net interest margin (official UBPR) | 0.030 | 0.030 | 49.5th | 795 |
| Interest Income (TE) as a percent of Average Assets | 0.040 | 0.049 | 8.2th | 795 |
| Interest Expense as a percent of Average Assets | 0.012 | 0.021 | 7.7th | 795 |
| Net Interest Income (TE) % of Avg Assets | 0.028 | 0.029 | 42.7th | 795 |
| Noninterest Income as a percent of Average Assets | 0.003 | 0.006 | 15.4th | 795 |
| Non-Interest Expense as a percent of Average Assets | 0.025 | 0.023 | 63.2th | 795 |
| Provision for Loan Losses % of Avg Assets | 0.002 | 0.001 | 76.6th | 795 |
| Pretax Operating Income (TE) % of Avg Assets | 0.004 | 0.011 | 10.5th | 795 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 9.1th | 795 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.004 | 0.011 | 9.8th | 795 |
| Net Operating Income as a percent of Average Assets | 0.003 | 0.009 | 9.6th | 795 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.003 | 0.009 | 9.7th | 795 |
| Average Earning Assets as a percent of Average Assets | 0.915 | 0.954 | 7.4th | 795 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.562 | 0.728 | 6.2th | 795 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.043 | 0.052 | 11.0th | 795 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.030 | 0.031 | 48.6th | 795 |
| Net Loss as a percent of Average Total Loans and Leases | 0.001 | 0.000 | 79.4th | 787 |
| Total LN&LS-30-89 DAYS Past Due % | 0.004 | 0.003 | 63.9th | 787 |
| Net Loans & Leases as a percent of Total Deposits | 0.543 | 0.861 | 4.4th | 790 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.5th | 795 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 7.1th | 795 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 28.8th | 795 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.005 | 0.012 | 12.7th | 795 |
| Return on assets (official UBPR) | 0.003 | 0.009 | 9.6th | 795 |
| Return on equity (official UBPR) | 0.044 | 0.098 | 14.9th | 794 |
Peer interpretation
Under $1B asset cohort · 3148 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 795 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2021-12 | 2022-03 | 2022-06 | 2022-09 | 2022-12 | 2023-06 | 2023-09 | 2023-12 | 2024-03 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — | — | — |
| Total depositsDEP | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — | — | — |
| Net loansLNLSNET | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — | — | — |
| Return on assetsROA | P25–75 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — | — | — |
| Return on equityROE | P25–75 | < P25 | < P25 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | < P25 | — | — | — |
| Net interest marginNIMY | < P25 | < P25 | < P25 | < P25 | < P25 | P25–75 | P25–75 | P25–75 | P25–75 | — | — | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.