Citizens' Bank of Charleston: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens' Bank of Charleston of Charleston, MO 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 | 2.59% | 1.34% | +1.25% | 95th top |
| ROAE Behind the peer average, ahead of the median peer. | 12.92% | 13.31% | -0.39% | 53rd above |
| Net Interest Margin | 5.07% | 3.93% | +1.14% | 93rd top |
| Efficiency Ratio | 36.26% | 61.14% | -24.88% | 97th top |
| PPNR / Avg Assets | 3.37% | 1.68% | +1.69% | 97th top |
| Yield on Earning Assets | 6.61% | 5.67% | +0.94% | 89th top |
| Cost of Funds | 1.89% | 1.88% | +0.01% | 44th below |
| Net Interest Spread | 4.38% | 3.32% | +1.06% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.83% | 0.94% | -0.11% | 32nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.68% | 0.70% | -0.02% | 31st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.16% | -0.02% | 16th bottom |
| ACL / Total Loans | 1.18% | 1.28% | -0.10% | 48th below |
| ACL / NPLs (Coverage) | 141.92% | 1538.95% | -1397.03% | 39th below |
| Texas Ratio | 3.17% | 7.33% | -4.16% | 52nd above |
| Provision / NCO | 0.00% | 1395.87% | -1395.87% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 20.51% | 12.14% | +8.37% | 96th top |
| Equity / Assets | 20.36% | 11.37% | +8.99% | 96th top |
| TCE / Tangible Assets | 20.36% | 11.09% | +9.27% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.71% | 80.63% | +22.08% | 8th bottom |
| Core Deposit Ratio | 86.74% | 86.86% | -0.12% | 37th below |
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. | 5.46% | 6.85% | -1.39% | 58th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.24% | 7.90% | -0.66% | 61st above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.37% | 6.29% | -0.92% | 60th above |
See Citizens' Bank of Charleston's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens' Bank of Charleston, 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 Charleston profile, how to read a UBPR, or how this data updates.