Citizens Bank of Ada: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank of Ada of Ada, OK 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 | 1.90% | 1.34% | +0.56% | 82nd top |
| ROAE | 20.92% | 13.32% | +7.60% | 89th top |
| Net Interest Margin | 4.31% | 3.93% | +0.38% | 71st above |
| Efficiency Ratio | 60.85% | 61.13% | -0.28% | 51st above |
| PPNR / Avg Assets | 1.95% | 1.68% | +0.27% | 70th above |
| Yield on Earning Assets | 5.57% | 5.67% | -0.10% | 49th below |
| Cost of Funds | 1.36% | 1.88% | -0.52% | 77th top |
| Net Interest Spread | 3.68% | 3.32% | +0.36% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.67% | 0.94% | -0.27% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.36% | 0.70% | -0.34% | 46th below |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 89th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 53rd above |
| ACL / NPLs (Coverage) | 182.59% | 1546.63% | -1364.04% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.75% | 7.34% | -3.59% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.50% | 12.14% | -2.64% | 22nd bottom |
| Equity / Assets | 9.21% | 11.37% | -2.16% | 30th below |
| TCE / Tangible Assets | 9.21% | 11.08% | -1.87% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.51% | 80.67% | -19.16% | 82nd top |
| Core Deposit Ratio | 97.54% | 86.85% | +10.69% | 94th top |
| Wholesale Funding Ratio | 1.84% | 5.04% | -3.20% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.66% | 6.84% | +1.82% | 78th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.22% | 7.92% | -1.70% | 55th above |
| Deposit Growth (Y/Y) | 10.56% | 6.29% | +4.27% | 84th top |
See Citizens Bank of Ada's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank of Ada, 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 of Ada profile, how to read a UBPR, or how this data updates.