The Citizens Bank of Clovis: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens Bank of Clovis of Clovis, NM 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 | 0.53% | 1.34% | -0.81% | 14th bottom |
| ROAE | 7.65% | 13.32% | -5.67% | 24th bottom |
| Net Interest Margin | 3.62% | 3.93% | -0.31% | 33rd below |
| Efficiency Ratio | 68.78% | 61.14% | +7.64% | 31st below |
| PPNR / Avg Assets | 1.10% | 1.68% | -0.58% | 25th below |
| Yield on Earning Assets | 5.55% | 5.67% | -0.12% | 48th below |
| Cost of Funds | 1.98% | 1.88% | +0.10% | 39th below |
| Net Interest Spread | 2.91% | 3.32% | -0.41% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 80th top |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.59% | 0.70% | -0.11% | 34th below |
| NCO / Avg Loans | 0.34% | 0.16% | +0.18% | 9th bottom |
| ACL / Total Loans | 1.18% | 1.28% | -0.10% | 48th below |
| ACL / NPLs (Coverage) | 3088.89% | 1537.86% | +1551.03% | — |
| Texas Ratio | 7.81% | 7.33% | +0.48% | 28th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 200.80% | 1396.36% | -1195.56% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.16% | 12.14% | +0.02% | 67th above |
| Equity / Assets | 6.83% | 11.38% | -4.55% | 6th bottom |
| TCE / Tangible Assets | 6.83% | 11.10% | -4.27% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.38% | 80.64% | -11.26% | 71st above |
| Core Deposit Ratio | 82.81% | 86.86% | -4.05% | 23rd bottom |
| Wholesale Funding Ratio | 3.16% | 5.03% | -1.87% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.49% | 6.86% | -7.35% | 17th bottom |
| Loan Growth (Y/Y) | -5.03% | 7.91% | -12.94% | 7th bottom |
| Deposit Growth (Y/Y) | 2.12% | 6.29% | -4.17% | 36th below |
See The Citizens Bank of Clovis'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 of Clovis, 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 of Clovis profile, how to read a UBPR, or how this data updates.