Citizens Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank and Trust of Frostproof, FL 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 Behind the peer average, ahead of the median peer. | 1.35% | 1.46% | -0.11% | 56th above |
| ROAE | 34.86% | 12.70% | +22.16% | 98th top |
| Net Interest Margin | 3.18% | 3.85% | -0.67% | 21st bottom |
| Efficiency Ratio | 62.98% | 57.40% | +5.58% | 36th below |
| PPNR / Avg Assets | 1.43% | 1.88% | -0.45% | 33rd below |
| Yield on Earning Assets | 4.52% | 5.72% | -1.20% | 7th bottom |
| Cost of Funds | 1.41% | 2.02% | -0.61% | 83rd top |
| Net Interest Spread | 2.52% | 3.18% | -0.66% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.50% | 1.00% | -0.50% | 58th above |
| NPA / Total Assets | 0.30% | 0.76% | -0.46% | 65th above |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 54th above |
| ACL / Total Loans | 1.10% | 1.31% | -0.21% | 42nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 219.66% | 543.54% | -323.88% | 58th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.37% | 7.39% | -1.02% | 39th below |
| Provision / NCO | -179.78% | 619.14% | -798.92% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.65% | 17.34% | -4.69% | 36th below |
| Tier 1 Ratio | 12.65% | 17.37% | -4.72% | 35th below |
| Total Capital Ratio | 13.71% | 18.42% | -4.71% | 34th below |
| Leverage Ratio | 8.04% | 11.44% | -3.40% | 2nd bottom |
| Equity / Assets | 4.11% | 11.34% | -7.23% | 0th bottom |
| TCE / Tangible Assets | 4.10% | 10.50% | -6.40% | 0th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.25% | 86.97% | -23.72% | 92nd top |
| Core Deposit Ratio | 95.12% | 85.55% | +9.57% | 86th top |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 31.50% | 33.12% | -1.62% | 48th below |
| Wholesale Funding Ratio | 0.43% | 5.71% | -5.28% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.19% | 9.68% | -3.49% | 57th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.66% | 8.06% | -2.40% | 50th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.14% | 7.87% | -2.73% | 52nd above |
See Citizens Bank and Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank and Trust, 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 and Trust profile, how to read a UBPR, or how this data updates.