Citizens Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank of New Haven, MO against its peer group of 2757 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 | 1.32% | 1.25% | +0.07% | 53rd above |
| ROAE | 10.22% | 12.22% | -2.00% | 36th below |
| Net Interest Margin | 4.19% | 3.95% | +0.24% | 63rd above |
| Efficiency Ratio | 60.20% | 63.71% | -3.51% | 53rd above |
| PPNR / Avg Assets | 1.68% | — | — | 55th above |
| Yield on Earning Assets | 5.99% | 5.67% | +0.32% | 68th above |
| Cost of Funds | 2.02% | 1.87% | +0.15% | 36th below |
| Net Interest Spread | 3.32% | — | — | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.95% | 0.88% | +2.07% | 6th bottom |
| NPA / Total Assets | 2.59% | — | — | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 43rd below |
| ACL / Total Loans | 1.64% | — | — | 85th top |
| ACL / NPLs (Coverage) | 55.48% | — | — | 12th bottom |
| Texas Ratio | 17.53% | 5.96% | +11.57% | 7th bottom |
| Provision / NCO | 200.00% | — | — | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.12% | 17.18% | -2.06% | 50th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.12% | 17.21% | -2.09% | 50th above |
| Total Capital Ratio | 16.37% | — | — | 51st above |
| Leverage Ratio | 13.10% | 11.75% | +1.35% | 76th top |
| Equity / Assets | 13.36% | 10.98% | +2.38% | 80th top |
| TCE / Tangible Assets | 13.36% | — | — | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.84% | 80.44% | +22.40% | 8th bottom |
| Core Deposit Ratio | 90.66% | 86.95% | +3.71% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.51% | — | — | 28th below |
| Loan Growth (Y/Y) | -2.69% | — | — | 12th bottom |
| Deposit Growth (Y/Y) | 0.48% | — | — | 26th below |
See Citizens Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens 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 Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Citizens Bank peer analysis.