Citizens 1st Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens 1st Bank of Tyler, TX against its peer group of 2603 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 | 1.78% | 1.34% | +0.44% | 77th top |
| ROAE | 10.23% | 13.33% | -3.10% | 38th below |
| Net Interest Margin | 3.05% | 3.93% | -0.88% | 11th bottom |
| Efficiency Ratio | 33.26% | 61.15% | -27.89% | 98th top |
| PPNR / Avg Assets | 1.84% | 1.68% | +0.16% | 65th above |
| Yield on Earning Assets | 5.24% | 5.67% | -0.43% | 32nd below |
| Cost of Funds | 2.61% | 1.88% | +0.73% | 12th bottom |
| Net Interest Spread | 2.30% | 3.33% | -1.03% | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.52% | 0.94% | -0.42% | 44th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.33% | 0.70% | -0.37% | 49th below |
| NCO / Avg Loans | 0.41% | 0.16% | +0.25% | 7th bottom |
| ACL / Total Loans | 0.53% | 1.28% | -0.75% | 3rd bottom |
| ACL / NPLs (Coverage) | 102.02% | 1547.36% | -1445.34% | 28th below |
| Texas Ratio | 1.78% | 7.34% | -5.56% | 65th above |
| Provision / NCO | 23.96% | 1396.50% | -1372.54% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 38.50% | 19.46% | +19.04% | 96th top |
| Tier 1 Ratio | 38.50% | 19.49% | +19.01% | 96th top |
| Total Capital Ratio | 39.10% | 20.58% | +18.52% | 96th top |
| Leverage Ratio | 20.52% | 12.13% | +8.39% | 96th top |
| Equity / Assets | 18.23% | 11.36% | +6.87% | 95th top |
| TCE / Tangible Assets | 18.23% | 11.08% | +7.15% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.23% | 80.66% | -2.43% | 55th above |
| Core Deposit Ratio | 66.21% | 86.87% | -20.66% | 3rd bottom |
| Wholesale Funding Ratio | 5.44% | 5.03% | +0.41% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.23% | 6.84% | +0.39% | 70th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.39% | 7.92% | -2.53% | 50th above |
| Deposit Growth (Y/Y) | 7.92% | 6.29% | +1.63% | 76th top |
See Citizens 1st Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens 1st Bank, 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 Citizens 1st Bank profile, how to read a UBPR, or how this data updates.