Citizens and Farmers Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens and Farmers Bank of West Point, VA against its peer group of 927 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 Behind the peer average, ahead of the median peer. | 1.39% | 1.46% | -0.07% | 60th above |
| ROAE | 12.09% | 12.69% | -0.60% | 49th below |
| Net Interest Margin | 4.57% | 3.85% | +0.72% | 90th top |
| Efficiency Ratio | 64.01% | 57.39% | +6.62% | 34th below |
| PPNR / Avg Assets | 1.98% | 1.88% | +0.10% | 67th above |
| Yield on Earning Assets | 6.08% | 5.72% | +0.36% | 78th top |
| Cost of Funds | 1.67% | 2.02% | -0.35% | 72nd above |
| Net Interest Spread | 3.90% | 3.18% | +0.72% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 1.00% | -0.90% | 89th top |
| NPA / Total Assets | 0.08% | 0.76% | -0.68% | 89th top |
| NCO / Avg Loans | 0.49% | 0.43% | +0.06% | 9th bottom |
| ACL / Total Loans | 1.84% | 1.31% | +0.53% | 94th top |
| ACL / NPLs (Coverage) | 1892.89% | 562.89% | +1330.00% | — |
| Texas Ratio | 0.68% | 7.40% | -6.72% | 90th top |
| Provision / NCO | 99.97% | 619.21% | -519.24% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.54% | 17.34% | -3.80% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.54% | 17.37% | -3.83% | 50th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.79% | 18.42% | -3.63% | 53rd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.20% | 11.44% | -0.24% | 64th above |
| Equity / Assets | 11.67% | 11.33% | +0.34% | 71st above |
| TCE / Tangible Assets | 10.84% | 10.50% | +0.34% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.69% | 86.95% | +3.74% | 42nd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.35% | 85.55% | +0.80% | 39th below |
| Uninsured Deposit Ratio | 30.51% | 33.13% | -2.62% | 52nd above |
| Wholesale Funding Ratio | 1.89% | 5.70% | -3.81% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.65% | 9.68% | -5.03% | 46th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.05% | 8.06% | -2.01% | 52nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.29% | 7.88% | -2.59% | 53rd above |
See Citizens and Farmers Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens and Farmers 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 and Farmers Bank profile, how to read a UBPR, or how this data updates.