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 Mukwonago, WI against its peer group of 931 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 | 1.51% | 1.44% | +0.07% | 67th above |
| ROAE | 11.82% | 12.51% | -0.69% | 47th below |
| Net Interest Margin | 3.94% | 3.84% | +0.10% | 65th above |
| Efficiency Ratio | 52.47% | 58.88% | -6.41% | 68th above |
| PPNR / Avg Assets | 2.03% | 1.78% | +0.25% | 70th above |
| Yield on Earning Assets | 5.40% | 5.71% | -0.31% | 42nd below |
| Cost of Funds | 1.64% | 2.03% | -0.39% | 74th above |
| Net Interest Spread | 3.25% | 3.18% | +0.07% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.96% | -0.63% | 70th above |
| NPA / Total Assets | 0.22% | 0.75% | -0.53% | 74th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.26% | 0.31% | -0.05% | 16th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.25% | -0.05% | 59th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 360.23% | 699.22% | -338.99% | 74th above |
| Texas Ratio | 1.57% | 7.17% | -5.60% | 82nd top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 176.42% | 815.38% | -638.96% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.64% | 11.59% | +2.05% | 88th top |
| Equity / Assets | 13.07% | 11.33% | +1.74% | 85th top |
| TCE / Tangible Assets | 13.06% | 10.65% | +2.41% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.17% | 86.36% | -10.19% | 76th top |
| Core Deposit Ratio | 93.10% | 85.55% | +7.55% | 75th top |
| Uninsured Deposit Ratio | 34.22% | 32.71% | +1.51% | 41st below |
| Wholesale Funding Ratio | 1.31% | 5.46% | -4.15% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.81% | 10.46% | -5.65% | 48th below |
| Loan Growth (Y/Y) | 4.91% | 8.00% | -3.09% | 46th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.76% | 7.98% | -2.22% | 57th above |
See Citizens Bank's peers by name
The 931 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.