Citizens Bank of Kansas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank of Kansas of Kingman, KS 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 | 1.01% | 1.35% | -0.34% | 34th below |
| ROAE | 18.14% | 13.32% | +4.82% | 80th top |
| Net Interest Margin | 3.27% | 3.93% | -0.66% | 19th bottom |
| Efficiency Ratio | 67.91% | 61.13% | +6.78% | 33rd below |
| PPNR / Avg Assets | 1.03% | 1.68% | -0.65% | 22nd bottom |
| Yield on Earning Assets | 4.35% | 5.67% | -1.32% | 6th bottom |
| Cost of Funds | 1.13% | 1.88% | -0.75% | 87th top |
| 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 | 0.02% | 0.94% | -0.92% | 83rd top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 79th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 26th below |
| ACL / Total Loans | 1.06% | 1.28% | -0.22% | 33rd below |
| ACL / NPLs (Coverage) | 6200.00% | 1543.42% | +4656.58% | — |
| Texas Ratio | 0.99% | 7.34% | -6.35% | 72nd above |
| Provision / NCO | 0.00% | 1395.99% | -1395.99% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.01% | 19.49% | -4.48% | 49th below |
| Tier 1 Ratio | 15.01% | 19.52% | -4.51% | 49th below |
| Total Capital Ratio | 15.82% | 20.61% | -4.79% | 46th below |
| Leverage Ratio | 8.53% | 12.14% | -3.61% | 7th bottom |
| Equity / Assets | 6.16% | 11.37% | -5.21% | 3rd bottom |
| TCE / Tangible Assets | 3.71% | 11.09% | -7.38% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 47.95% | 80.68% | -32.73% | 93rd top |
| Core Deposit Ratio | 96.21% | 86.84% | +9.37% | 90th top |
| Wholesale Funding Ratio | 2.74% | 5.04% | -2.30% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.94% | 6.84% | +0.10% | 69th above |
| Loan Growth (Y/Y) | -2.07% | 7.92% | -9.99% | 15th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.79% | 6.29% | -0.50% | 63rd above |
See Citizens Bank of Kansas'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 Kansas, 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 Kansas profile, how to read a UBPR, or how this data updates.