Citizens' Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens' Bank, Inc. of Robertsdale, AL 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. | 1.28% | 1.34% | -0.06% | 51st above |
| ROAE | 14.11% | 13.31% | +0.80% | 61st above |
| Net Interest Margin | 3.98% | 3.93% | +0.05% | 52nd above |
| Efficiency Ratio | 62.62% | 61.14% | +1.48% | 46th below |
| PPNR / Avg Assets | 1.35% | 1.68% | -0.33% | 36th below |
| Yield on Earning Assets | 5.25% | 5.67% | -0.42% | 33rd below |
| Cost of Funds | 1.36% | 1.88% | -0.52% | 77th top |
| Net Interest Spread | 3.17% | 3.32% | -0.15% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.94% | -0.80% | 69th above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 73rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 20th bottom |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 39th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 808.55% | 1538.80% | -730.25% | 80th top |
| Texas Ratio | 0.73% | 7.33% | -6.60% | 77th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 311.76% | 1395.74% | -1083.98% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.00% | 12.14% | -1.14% | 51st above |
| Equity / Assets | 9.47% | 11.37% | -1.90% | 35th below |
| TCE / Tangible Assets | 9.47% | 11.09% | -1.62% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.78% | 80.64% | -20.86% | 83rd top |
| Core Deposit Ratio | 93.20% | 86.86% | +6.34% | 75th top |
| Wholesale Funding Ratio | 0.06% | 5.03% | -4.97% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.66% | 6.85% | -5.19% | 30th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.24% | 7.90% | -1.66% | 56th above |
| Deposit Growth (Y/Y) | -0.20% | 6.29% | -6.49% | 22nd bottom |
See Citizens' Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens' Bank, Inc., 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, Inc. profile, how to read a UBPR, or how this data updates.