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 Mooresville, IN 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 | 0.97% | 1.25% | -0.28% | 30th below |
| ROAE | 10.54% | 12.22% | -1.68% | 38th below |
| Net Interest Margin | 3.68% | 3.95% | -0.27% | 35th below |
| Efficiency Ratio | 67.90% | 63.71% | +4.19% | 32nd below |
| PPNR / Avg Assets | 1.19% | — | — | 27th below |
| Yield on Earning Assets | 5.21% | 5.67% | -0.46% | 31st below |
| Cost of Funds | 1.65% | 1.87% | -0.22% | 59th above |
| Net Interest Spread | 3.12% | — | — | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.88% | -0.79% | 75th top |
| NPA / Total Assets | 0.06% | — | — | 77th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 31st below |
| ACL / Total Loans | 1.26% | — | — | 57th above |
| ACL / NPLs (Coverage) | 1424.88% | — | — | — |
| Texas Ratio | 0.58% | 5.96% | -5.38% | 75th top |
| Provision / NCO | 400.00% | — | — | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.51% | 17.18% | -4.67% | 22nd bottom |
| Tier 1 Ratio | 12.51% | 17.21% | -4.70% | 22nd bottom |
| Total Capital Ratio | 13.59% | — | — | 22nd bottom |
| Leverage Ratio | 9.78% | 11.75% | -1.97% | 26th below |
| Equity / Assets | 9.41% | 10.98% | -1.57% | 33rd below |
| TCE / Tangible Assets | 9.41% | — | — | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.09% | 80.44% | -5.35% | 62nd above |
| Core Deposit Ratio | 92.20% | 86.95% | +5.25% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.12% | — | — | 47th below |
| Loan Growth (Y/Y) | 4.12% | — | — | 42nd below |
| Deposit Growth (Y/Y) | 3.61% | — | — | 47th 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.