Citibank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citibank, N.A. of Sioux Falls, SD against its peer group of 18 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.03% | 1.38% | -0.35% | 12th bottom |
| ROAE | 11.92% | 15.25% | -3.33% | 29th below |
| Net Interest Margin | 2.85% | 2.87% | -0.02% | 47th below |
| Efficiency Ratio | 51.76% | 53.22% | -1.46% | 71st above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.77% | 1.89% | -0.12% | 65th above |
| Yield on Earning Assets | 5.34% | 4.83% | +0.51% | 88th top |
| Cost of Funds | 2.72% | 2.05% | +0.67% | 24th bottom |
| Net Interest Spread | 2.24% | 2.24% | +0.00% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.55% | 0.93% | -0.38% | 82nd top |
| NPA / Total Assets | 0.21% | 0.45% | -0.24% | 82nd top |
| NCO / Avg Loans | 1.09% | 0.54% | +0.55% | 6th bottom |
| ACL / Total Loans | 2.33% | 1.45% | +0.88% | 94th top |
| ACL / NPLs (Coverage) | 427.37% | 150.65% | +276.72% | 100th top |
| Texas Ratio | 3.85% | 6.67% | -2.82% | 76th top |
| Provision / NCO | 111.38% | 108.26% | +3.12% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.79% | 15.92% | -2.13% | 35th below |
| Tier 1 Ratio | 13.98% | 15.93% | -1.95% | 35th below |
| Total Capital Ratio | 14.71% | 16.71% | -2.00% | 24th bottom |
| Leverage Ratio | 7.87% | 8.14% | -0.27% | 35th below |
| Equity / Assets | 8.67% | 9.36% | -0.69% | 35th below |
| TCE / Tangible Assets | 7.94% | 7.69% | +0.25% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 48.93% | 59.65% | -10.72% | 76th top |
| Core Deposit Ratio | 51.27% | 81.88% | -30.61% | 0th bottom |
| Uninsured Deposit Ratio | 47.78% | 45.84% | +1.94% | 35th below |
| Wholesale Funding Ratio | 6.73% | 8.97% | -2.24% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.76% | 9.46% | -1.70% | 53rd above |
| Loan Growth (Y/Y) | 8.52% | 11.64% | -3.12% | 35th below |
| Deposit Growth (Y/Y) | 9.50% | 8.12% | +1.38% | 65th above |
See Citibank, N.A.'s peers by name
The 18 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citibank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citibank, N.A. profile, how to read a UBPR, or how this data updates.