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 Marks, MS against its peer group of 536 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 | 0.94% | 3.14% | -2.20% | 44th below |
| ROAE | 6.73% | 10.43% | -3.70% | 40th below |
| Net Interest Margin | 5.38% | 3.93% | +1.45% | 94th top |
| Efficiency Ratio | 77.41% | 76.30% | +1.11% | 36th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.24% | 1.40% | -0.16% | 51st above |
| Yield on Earning Assets | 6.88% | 5.35% | +1.53% | 93rd top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.61% | 1.70% | -0.09% | 48th below |
| Net Interest Spread | 4.62% | 3.31% | +1.31% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.20% | 1.34% | +0.86% | 16th bottom |
| NPA / Total Assets | 1.73% | 0.71% | +1.02% | 11th bottom |
| NCO / Avg Loans | 0.16% | 0.10% | +0.06% | 12th bottom |
| ACL / Total Loans | 2.65% | 1.48% | +1.17% | 90th top |
| ACL / NPLs (Coverage) | 120.56% | 867.16% | -746.60% | 43rd below |
| Texas Ratio | 27.08% | 8.20% | +18.88% | 6th bottom |
| Provision / NCO | 23.65% | 316.32% | -292.67% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.95% | 62.12% | -45.17% | 33rd below |
| Tier 1 Ratio | 16.95% | 62.13% | -45.18% | 32nd below |
| Total Capital Ratio | 18.21% | 63.09% | -44.88% | 33rd below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.00% | 17.61% | -3.61% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.25% | 16.43% | -2.18% | 62nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 14.25% | 16.18% | -1.93% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.45% | 72.79% | +12.66% | 23rd bottom |
| Core Deposit Ratio | 93.05% | 88.20% | +4.85% | 60th above |
| Wholesale Funding Ratio | 0.15% | 5.31% | -5.16% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.46% | 4.32% | -5.78% | 23rd bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.73% | 6.73% | -3.00% | 55th above |
| Deposit Growth (Y/Y) | -2.34% | 3.79% | -6.13% | 23rd bottom |
See Citizens Bank and Trust Company's peers by name
The 536 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.