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 Amarillo, TX against its peer group of 2672 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 | 2.34% | 1.35% | +0.99% | 92nd top |
| ROAE | 24.25% | 12.05% | +12.20% | 95th top |
| Net Interest Margin | 4.19% | 3.90% | +0.29% | 64th above |
| Efficiency Ratio | 41.64% | 63.16% | -21.52% | 94th top |
| PPNR / Avg Assets | 2.38% | 1.64% | +0.74% | 86th top |
| Yield on Earning Assets | 6.44% | 5.65% | +0.79% | 85th top |
| Cost of Funds | 2.39% | 1.85% | +0.54% | 18th bottom |
| Net Interest Spread | 3.47% | 3.35% | +0.12% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.83% | 1.28% | -0.45% | 12th bottom |
| Texas Ratio | 0.06% | 7.15% | -7.09% | 88th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.07% | 12.46% | -2.39% | 33rd below |
| Equity / Assets | 9.83% | 11.67% | -1.84% | 41st below |
| TCE / Tangible Assets | 9.83% | 11.40% | -1.57% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.00% | 78.65% | -14.65% | 79th top |
| Core Deposit Ratio | 91.36% | 87.09% | +4.27% | 63rd above |
| Wholesale Funding Ratio | 1.16% | 5.12% | -3.96% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.90% | 6.47% | +7.43% | 90th top |
| Loan Growth (Y/Y) | -3.07% | 7.64% | -10.71% | 12th bottom |
| Deposit Growth (Y/Y) | 15.11% | 6.02% | +9.09% | 91st top |
See Citizens Bank's peers by name
The 2672 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.