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 Mount Vernon, KY 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 | 1.55% | 1.25% | +0.30% | 65th above |
| ROAE | 19.44% | 12.22% | +7.22% | 85th top |
| Net Interest Margin | 4.09% | 3.95% | +0.14% | 57th above |
| Efficiency Ratio | 64.42% | 63.71% | +0.71% | 40th below |
| PPNR / Avg Assets | 1.59% | — | — | 50th above |
| Yield on Earning Assets | 6.29% | 5.67% | +0.62% | 80th top |
| Cost of Funds | 2.28% | 1.87% | +0.41% | 22nd bottom |
| Net Interest Spread | 3.72% | — | — | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.96% | 0.88% | +0.08% | 29th below |
| NPA / Total Assets | 1.12% | — | — | 17th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 26th below |
| ACL / Total Loans | 1.01% | — | — | 28th below |
| ACL / NPLs (Coverage) | 105.58% | — | — | 28th below |
| Texas Ratio | 12.50% | 5.96% | +6.54% | 13th bottom |
| Provision / NCO | 125.00% | — | — | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.68% | 17.18% | -5.50% | 14th bottom |
| Tier 1 Ratio | 11.68% | 17.21% | -5.53% | 13th bottom |
| Total Capital Ratio | 12.91% | — | — | 15th bottom |
| Leverage Ratio | 8.09% | 11.75% | -3.66% | 3rd bottom |
| Equity / Assets | 8.31% | 10.98% | -2.67% | 16th bottom |
| TCE / Tangible Assets | 8.13% | — | — | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.13% | 80.44% | +16.69% | 15th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.40% | 86.95% | +0.45% | 41st below |
| Wholesale Funding Ratio | 2.80% | — | — | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.14% | — | — | 40th below |
| Loan Growth (Y/Y) | 5.87% | — | — | 53rd above |
| Deposit Growth (Y/Y) | 4.43% | — | — | 53rd 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.