Citizens Bank and Trust Company: 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 Company of Plaquemine, LA 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 | 1.18% | 1.34% | -0.16% | 43rd below |
| ROAE | 10.06% | 13.32% | -3.26% | 36th below |
| Net Interest Margin | 4.38% | 3.93% | +0.45% | 74th above |
| Efficiency Ratio | 62.42% | 61.14% | +1.28% | 47th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.66% | 1.68% | -0.02% | 54th above |
| Yield on Earning Assets | 5.97% | 5.67% | +0.30% | 67th above |
| Cost of Funds | 1.72% | 1.88% | -0.16% | 55th above |
| Net Interest Spread | 3.59% | 3.32% | +0.27% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.71% | 0.94% | -0.23% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.59% | 0.70% | -0.11% | 34th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 28th below |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 28th below |
| ACL / NPLs (Coverage) | 143.54% | 1539.38% | -1395.84% | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.49% | 7.33% | -1.84% | 38th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 189.68% | 1396.34% | -1206.66% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.97% | 19.51% | -5.54% | 39th below |
| Tier 1 Ratio | 13.97% | 19.54% | -5.57% | 38th below |
| Total Capital Ratio | 14.94% | 20.63% | -5.69% | 37th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.93% | 12.14% | -0.21% | 64th above |
| Equity / Assets | 11.57% | 11.37% | +0.20% | 67th above |
| TCE / Tangible Assets | 11.57% | 11.09% | +0.48% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.57% | 80.63% | +8.94% | 29th below |
| Core Deposit Ratio | 93.87% | 86.86% | +7.01% | 79th top |
| Wholesale Funding Ratio | 2.90% | 5.03% | -2.13% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.01% | 6.85% | +0.16% | 69th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.55% | 7.90% | -2.35% | 51st above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.83% | 6.29% | -0.46% | 63rd above |
See Citizens Bank and Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank and Trust Company, 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 Company profile, how to read a UBPR, or how this data updates.