The Citizens Bank Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens Bank Company of Beverly, OH 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 Behind the peer average, ahead of the median peer. | 1.32% | 1.35% | -0.03% | 53rd above |
| ROAE | 10.85% | 12.05% | -1.20% | 41st below |
| Net Interest Margin | 3.96% | 3.90% | +0.06% | 51st above |
| Efficiency Ratio | 58.56% | 63.15% | -4.59% | 58th above |
| PPNR / Avg Assets | 1.41% | 1.64% | -0.23% | 39th below |
| Yield on Earning Assets | 5.32% | 5.65% | -0.33% | 36th below |
| Cost of Funds | 1.49% | 1.85% | -0.36% | 70th above |
| Net Interest Spread | 3.37% | 3.35% | +0.02% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 0.92% | -0.65% | 59th above |
| NPA / Total Assets | 0.16% | 0.67% | -0.51% | 64th above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 87th top |
| ACL / Total Loans | 2.94% | 1.28% | +1.66% | 98th top |
| ACL / NPLs (Coverage) | 1073.47% | 1645.38% | -571.91% | — |
| Texas Ratio | 1.56% | 7.15% | -5.59% | 67th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 364.29% | 1189.70% | -825.41% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.56% | 12.46% | +1.10% | 79th top |
| Equity / Assets | 12.48% | 11.67% | +0.81% | 75th top |
| TCE / Tangible Assets | 12.48% | 11.40% | +1.08% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.71% | 78.65% | -12.94% | 76th top |
| Core Deposit Ratio | 89.72% | 87.09% | +2.63% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.67% | 6.48% | -5.81% | 23rd bottom |
| Loan Growth (Y/Y) | -6.06% | 7.64% | -13.70% | 6th bottom |
| Deposit Growth (Y/Y) | 2.53% | 6.02% | -3.49% | 39th below |
See The Citizens Bank Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens Bank 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 The Citizens Bank Company profile, how to read a UBPR, or how this data updates.