Citizens Bank of Edinburg: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank of Edinburg of Edinburg, IL against its peer group of 536 similarly-sized US banks as of Q3 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 Ahead of the peer average, behind the median peer. | 0.92% | 0.82% | +0.10% | 38th below |
| ROAE Ahead of the peer average, behind the median peer. | 8.14% | 4.81% | +3.33% | 41st below |
| Net Interest Margin | 3.54% | 3.95% | -0.41% | 31st below |
| Efficiency Ratio | 61.30% | 75.77% | -14.47% | 50th above |
| PPNR / Avg Assets | 1.27% | — | — | 47th below |
| Yield on Earning Assets | 4.41% | 5.44% | -1.03% | 14th bottom |
| Cost of Funds | 0.88% | 1.71% | -0.83% | 78th top |
| Net Interest Spread | 3.28% | — | — | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.40% | -1.40% | 78th top |
| NPA / Total Assets | 0.00% | — | — | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.11% | -0.11% | 47th below |
| ACL / Total Loans | 1.91% | — | — | 78th top |
| Texas Ratio | 0.20% | 8.94% | -8.74% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.24% | 14.21% | -1.97% | 44th below |
| Equity / Assets | 10.87% | 13.16% | -2.29% | 47th below |
| TCE / Tangible Assets | 10.87% | — | — | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 29.68% | 69.13% | -39.45% | 94th top |
| Core Deposit Ratio | 88.07% | 88.78% | -0.71% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.24% | — | — | 6th bottom |
| Loan Growth (Y/Y) | -14.61% | — | — | 3rd bottom |
| Deposit Growth (Y/Y) | -8.33% | — | — | 3rd bottom |
See Citizens Bank of Edinburg's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank of Edinburg, 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 Edinburg profile, how to read a UBPR, or how this data updates.