Citizens Bank of Eldon: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank of Eldon of Eldon, MO against its peer group of 2757 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 | 2.36% | 1.25% | +1.11% | 92nd top |
| ROAE | 20.96% | 13.17% | +7.79% | 89th top |
| Net Interest Margin | 5.27% | 3.95% | +1.32% | 95th top |
| Efficiency Ratio | 43.19% | 61.50% | -18.31% | 91st top |
| PPNR / Avg Assets | 3.08% | — | — | 96th top |
| Yield on Earning Assets | 6.36% | 5.67% | +0.69% | 83rd top |
| Cost of Funds | 1.18% | 1.87% | -0.69% | 85th top |
| Net Interest Spread | 4.60% | — | — | 95th 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. | 0.90% | 0.93% | -0.03% | 31st below |
| NPA / Total Assets | 0.74% | — | — | 28th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 34th below |
| ACL / Total Loans | 1.30% | — | — | 62nd above |
| ACL / NPLs (Coverage) | 143.81% | — | — | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.00% | 6.06% | -0.06% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.53% | 11.75% | -0.22% | 58th above |
| Equity / Assets | 11.35% | 10.98% | +0.37% | 64th above |
| TCE / Tangible Assets | 11.35% | — | — | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.52% | 80.44% | +14.08% | 20th bottom |
| Core Deposit Ratio | 91.66% | 86.95% | +4.71% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.12% | — | — | 62nd above |
| Loan Growth (Y/Y) | 14.80% | — | — | 85th top |
| Deposit Growth (Y/Y) | 5.47% | — | — | 60th above |
See Citizens Bank of Eldon's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank of Eldon, 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 Eldon profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Citizens Bank of Eldon peer analysis.