Citizens Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank, N.A. of Providence, RI against its peer group of 14 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 | 1.04% | 1.62% | -0.58% | 15th bottom |
| ROAE | 9.04% | 17.15% | -8.11% | 15th bottom |
| Net Interest Margin | 3.23% | 4.13% | -0.90% | 38th below |
| Efficiency Ratio | 59.25% | 55.85% | +3.40% | 31st below |
| PPNR / Avg Assets | 1.57% | 2.67% | -1.10% | 31st below |
| Yield on Earning Assets | 4.92% | 6.44% | -1.52% | 23rd bottom |
| Cost of Funds | 1.76% | 2.44% | -0.68% | 69th above |
| Net Interest Spread | 2.67% | 3.58% | -0.91% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.75% | 1.32% | +0.43% | 15th bottom |
| NPA / Total Assets | 1.13% | 0.84% | +0.29% | 15th bottom |
| NCO / Avg Loans | 0.37% | 0.92% | -0.55% | 54th above |
| ACL / Total Loans | 1.32% | 2.10% | -0.78% | 46th below |
| ACL / NPLs (Coverage) | 75.31% | 184.85% | -109.54% | 31st below |
| Texas Ratio | 15.85% | 9.18% | +6.67% | 15th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 109.65% | 111.52% | -1.87% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.92% | 13.98% | -2.06% | 31st below |
| Tier 1 Ratio | 11.92% | 14.12% | -2.20% | 31st below |
| Total Capital Ratio | 13.75% | 15.70% | -1.95% | 38th below |
| Leverage Ratio | 9.39% | 9.53% | -0.14% | 38th below |
| Equity / Assets | 11.39% | 9.83% | +1.56% | 69th above |
| TCE / Tangible Assets | 8.18% | 8.70% | -0.52% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 79.08% | 76.13% | +2.95% | 54th above |
| Core Deposit Ratio | 93.78% | 83.63% | +10.15% | 69th above |
| Uninsured Deposit Ratio | 47.48% | 34.98% | +12.50% | 31st below |
| Wholesale Funding Ratio | 5.44% | 6.63% | -1.19% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.67% | 10.98% | -4.31% | 85th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.46% | 13.05% | -7.59% | 54th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.59% | 11.15% | -5.56% | 62nd above |
See Citizens Bank, N.A.'s peers by name
The 14 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank, N.A., 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, N.A. profile, how to read a UBPR, or how this data updates.