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 Elizabethton, TN against its peer group of 941 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 | 2.03% | 1.34% | +0.69% | 87th top |
| ROAE | 16.17% | 12.40% | +3.77% | 76th top |
| Net Interest Margin | 4.53% | 3.83% | +0.70% | 88th top |
| Efficiency Ratio | 53.16% | 57.84% | -4.68% | 64th above |
| PPNR / Avg Assets | 2.76% | — | — | 92nd top |
| Yield on Earning Assets | 6.77% | 5.71% | +1.06% | 93rd top |
| Cost of Funds | 2.50% | 2.02% | +0.48% | 21st bottom |
| Net Interest Spread | 3.81% | — | — | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.99% | 1.00% | -0.01% | 33rd below |
| NPA / Total Assets | 0.80% | — | — | 32nd below |
| NCO / Avg Loans | 0.60% | 0.43% | +0.17% | 7th bottom |
| ACL / Total Loans | 0.90% | — | — | 19th bottom |
| ACL / NPLs (Coverage) | 91.33% | — | — | 26th below |
| Texas Ratio | 6.25% | 5.47% | +0.78% | 31st below |
| Provision / NCO | 105.75% | — | — | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.20% | 14.99% | -0.79% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.20% | 15.02% | -0.82% | 60th above |
| Total Capital Ratio | 15.01% | — | — | 56th above |
| Leverage Ratio | 12.65% | 11.11% | +1.54% | 81st top |
| Equity / Assets | 12.77% | 11.02% | +1.75% | 83rd top |
| TCE / Tangible Assets | 12.45% | — | — | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.76% | 86.99% | +8.77% | 27th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.35% | 85.57% | +0.78% | 39th below |
| Uninsured Deposit Ratio | 24.84% | 33.19% | -8.35% | 71st above |
| Wholesale Funding Ratio | 2.32% | — | — | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.51% | — | — | 64th above |
| Loan Growth (Y/Y) | 9.80% | — | — | 72nd above |
| Deposit Growth (Y/Y) | 6.61% | — | — | 59th above |
See Citizens Bank's peers by name
The 941 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.