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 Carthage, TN against its peer group of 2672 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 | 2.00% | 1.34% | +0.66% | 85th top |
| ROAE | 15.95% | 13.31% | +2.64% | 71st above |
| Net Interest Margin | 3.95% | 3.93% | +0.02% | 50th above |
| Efficiency Ratio | 26.73% | 61.17% | -34.44% | 99th top |
| PPNR / Avg Assets | 2.67% | 1.68% | +0.99% | 92nd top |
| Yield on Earning Assets | 5.82% | 5.67% | +0.15% | 60th above |
| Cost of Funds | 2.12% | 1.88% | +0.24% | 31st below |
| Net Interest Spread | 3.10% | 3.32% | -0.22% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.50% | 0.94% | -0.44% | 45th below |
| NPA / Total Assets | 0.28% | 0.70% | -0.42% | 52nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 43rd below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 53rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 243.52% | 1539.82% | -1296.30% | 54th above |
| Texas Ratio | 2.46% | 7.34% | -4.88% | 59th above |
| Provision / NCO | 1450.00% | 1395.42% | +54.58% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.29% | 12.14% | +4.15% | 91st top |
| Equity / Assets | 13.44% | 11.37% | +2.07% | 81st top |
| TCE / Tangible Assets | 13.44% | 11.09% | +2.35% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.24% | 80.65% | -15.41% | 77th top |
| Core Deposit Ratio | 78.47% | 86.87% | -8.40% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.02% | 6.85% | -2.83% | 47th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.73% | 7.90% | -1.17% | 58th above |
| Deposit Growth (Y/Y) | 1.89% | 6.29% | -4.40% | 35th below |
See Citizens Bank's peers by name
The 2672 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.