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 Kilgore, TX 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 | 0.74% | 1.25% | -0.51% | 19th bottom |
| ROAE | 11.06% | 13.17% | -2.11% | 41st below |
| Net Interest Margin | 4.44% | 3.95% | +0.49% | 76th top |
| Efficiency Ratio | 77.67% | 61.50% | +16.17% | 15th bottom |
| PPNR / Avg Assets | 0.99% | — | — | 19th bottom |
| Yield on Earning Assets | 6.14% | 5.67% | +0.47% | 74th above |
| Cost of Funds | 2.16% | 1.87% | +0.29% | 28th below |
| Net Interest Spread | 3.73% | — | — | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.93% | -0.93% | 93rd top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 75th top |
| ACL / Total Loans | 2.49% | — | — | 97th top |
| Texas Ratio | 0.18% | 6.06% | -5.88% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.10% | 17.18% | -7.08% | 3rd bottom |
| Tier 1 Ratio | 10.10% | 17.21% | -7.11% | 3rd bottom |
| Total Capital Ratio | 11.37% | — | — | 3rd bottom |
| Leverage Ratio | 6.90% | 11.75% | -4.85% | 0th bottom |
| Equity / Assets | 6.81% | 10.98% | -4.17% | 5th bottom |
| TCE / Tangible Assets | 6.81% | — | — | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.08% | 80.44% | -6.36% | 64th above |
| Core Deposit Ratio | 84.53% | 86.95% | -2.42% | 29th below |
| Wholesale Funding Ratio | 2.19% | — | — | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.06% | — | — | 18th bottom |
| Loan Growth (Y/Y) | 6.46% | — | — | 56th above |
| Deposit Growth (Y/Y) | 6.52% | — | — | 67th above |
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.