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 Butler, MO 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 | 2.49% | 1.34% | +1.15% | 94th top |
| ROAE | 31.93% | 13.31% | +18.62% | 98th top |
| Net Interest Margin | 6.53% | 3.93% | +2.60% | 99th top |
| Efficiency Ratio | 59.58% | 61.14% | -1.56% | 55th above |
| PPNR / Avg Assets | 2.55% | 1.68% | +0.87% | 90th top |
| Yield on Earning Assets | 7.63% | 5.67% | +1.96% | 98th top |
| Cost of Funds | 1.11% | 1.88% | -0.77% | 88th top |
| Net Interest Spread | 5.89% | 3.32% | +2.57% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.94% | -0.74% | 64th above |
| NPA / Total Assets | 0.21% | 0.70% | -0.49% | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 37th below |
| ACL / Total Loans | 1.08% | 1.28% | -0.20% | 36th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 552.10% | 1538.87% | -986.77% | 73rd above |
| Texas Ratio | 2.38% | 7.33% | -4.95% | 59th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 857.14% | 1395.64% | -538.50% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.69% | 19.50% | -9.81% | 1st bottom |
| Tier 1 Ratio | 9.69% | 19.54% | -9.85% | 1st bottom |
| Total Capital Ratio | 10.90% | 20.62% | -9.72% | 2nd bottom |
| Leverage Ratio | 7.73% | 12.14% | -4.41% | 1st bottom |
| Equity / Assets | 7.86% | 11.37% | -3.51% | 12th bottom |
| TCE / Tangible Assets | 7.84% | 11.09% | -3.25% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.59% | 80.63% | +18.96% | 12th bottom |
| Core Deposit Ratio | 96.04% | 86.86% | +9.18% | 89th top |
| Wholesale Funding Ratio | 0.85% | 5.03% | -4.18% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.21% | 6.85% | -6.64% | 21st bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.56% | 7.90% | -1.34% | 57th above |
| Deposit Growth (Y/Y) | 0.87% | 6.29% | -5.42% | 28th below |
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.