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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.
Reported facts
Deterministic ratios for CITIZENS BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $729M |
|---|---|
| Net loans and leases | $379M |
Plain-language readout
CITIZENS BANK in Corvallis, OR funds its loans with $729M of deposits and holds $379M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for CITIZENS BANK in Q3 2026; none is estimated.
Against banks of similar size for the same filing period: Efficiency ratio (official UBPR): 0.828 against a peer median of 0.656, a 86.8th percentile position among 795 peers. Net interest margin (official UBPR): 0.030 against a peer median of 0.030, a 49.5th percentile position among 795 peers. Interest Income (TE) as a percent of Average Assets: 0.040 against a peer median of 0.049, a 8.2th percentile position among 795 peers. Interest Expense as a percent of Average Assets: 0.012 against a peer median of 0.021, a 7.7th percentile position among 795 peers.
The loan-to-deposit ratio computed from net loans and total deposits was 52.03% in Q3 2026, against 38.53% in Q4 2021. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $379M | $729M | 52.03% |
| Q2 2026 | $383M | $703M | 54.53% |
| Q1 2026 | $362M | $686M | 52.69% |
| Q1 2024 | $395M | $727M | 54.34% |
| Q4 2023 | $401M | $752M | 53.27% |
| Q3 2023 | $395M | $779M | 50.71% |
| Q2 2023 | $393M | $772M | 50.87% |
| Q4 2022 | $373M | $956M | 39.03% |
| Q3 2022 | $361M | $997M | 36.23% |
| Q2 2022 | $357M | $949M | 37.66% |
| Q1 2022 | $340M | $944M | 36.05% |
| Q4 2021 | $353M | $917M | 38.53% |