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 Columbia, MS 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 | 2.46% | 1.25% | +1.21% | 94th top |
| ROAE | 19.70% | 12.22% | +7.48% | 86th top |
| Net Interest Margin | 5.12% | 3.95% | +1.17% | 94th top |
| Efficiency Ratio | 54.76% | 63.71% | -8.95% | 69th above |
| PPNR / Avg Assets | 2.62% | — | — | 91st top |
| Yield on Earning Assets | 6.08% | 5.67% | +0.41% | 71st above |
| Cost of Funds | 0.96% | 1.87% | -0.91% | 92nd top |
| Net Interest Spread | 4.50% | — | — | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.88% | -0.55% | 55th above |
| NPA / Total Assets | 0.26% | — | — | 54th above |
| NCO / Avg Loans | 0.38% | 0.15% | +0.23% | 8th bottom |
| ACL / Total Loans | 1.27% | — | — | 59th above |
| ACL / NPLs (Coverage) | 384.69% | — | — | 64th above |
| Texas Ratio | 1.91% | 5.96% | -4.05% | 58th above |
| Provision / NCO | 64.21% | — | — | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.98% | 17.18% | +4.80% | 82nd top |
| Tier 1 Ratio | 21.98% | 17.21% | +4.77% | 82nd top |
| Total Capital Ratio | 23.23% | — | — | 83rd top |
| Leverage Ratio | 13.48% | 11.75% | +1.73% | 78th top |
| Equity / Assets | 12.82% | 10.98% | +1.84% | 77th top |
| TCE / Tangible Assets | 12.82% | — | — | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.15% | 80.44% | -6.29% | 64th above |
| Core Deposit Ratio | 93.07% | 86.95% | +6.12% | 74th above |
| Wholesale Funding Ratio | 0.30% | — | — | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.61% | — | — | 9th bottom |
| Loan Growth (Y/Y) | 1.27% | — | — | 27th below |
| Deposit Growth (Y/Y) | -4.08% | — | — | 8th bottom |
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.