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 Blackstone, VA against its peer group of 2603 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 | 2.28% | 1.34% | +0.94% | 92nd top |
| ROAE | 16.43% | 13.32% | +3.11% | 73rd above |
| Net Interest Margin | 4.58% | 3.93% | +0.65% | 82nd top |
| Efficiency Ratio | 44.75% | 61.14% | -16.39% | 90th top |
| PPNR / Avg Assets | 2.80% | 1.68% | +1.12% | 94th top |
| Yield on Earning Assets | 5.43% | 5.67% | -0.24% | 41st below |
| Cost of Funds | 0.95% | 1.88% | -0.93% | 92nd top |
| Net Interest Spread | 4.17% | 3.32% | +0.85% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 85th top |
| NPA / Total Assets | 0.05% | 0.70% | -0.65% | 78th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 89th top |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 59th above |
| ACL / NPLs (Coverage) | 16021.74% | 1537.26% | +14484.48% | — |
| Texas Ratio | 1.06% | 7.34% | -6.28% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.39% | 12.14% | +3.25% | 88th top |
| Equity / Assets | 14.37% | 11.36% | +3.01% | 86th top |
| TCE / Tangible Assets | 14.37% | 11.08% | +3.29% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.42% | 80.67% | -21.25% | 84th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.69% | 86.85% | +1.84% | 47th below |
| Wholesale Funding Ratio | 0.86% | 5.04% | -4.18% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.85% | 6.84% | -3.99% | 38th below |
| Loan Growth (Y/Y) | 4.97% | 7.92% | -2.95% | 48th below |
| Deposit Growth (Y/Y) | 1.50% | 6.29% | -4.79% | 32nd below |
See Citizens Bank and Trust Company's peers by name
The 2603 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.