Citizens Bank of Kentucky, Inc: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank of Kentucky, Inc of Paintsville, KY 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 | 1.10% | 1.34% | -0.24% | 39th below |
| ROAE | 8.49% | 13.32% | -4.83% | 28th below |
| Net Interest Margin | 3.60% | 3.93% | -0.33% | 32nd below |
| Efficiency Ratio | 63.58% | 61.14% | +2.44% | 43rd below |
| PPNR / Avg Assets | 1.37% | 1.68% | -0.31% | 38th below |
| Yield on Earning Assets | 4.70% | 5.67% | -0.97% | 14th bottom |
| Cost of Funds | 1.21% | 1.88% | -0.67% | 84th top |
| Net Interest Spread | 2.97% | 3.32% | -0.35% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.84% | 0.94% | -0.10% | 32nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.44% | 0.70% | -0.26% | 42nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 28th below |
| ACL / Total Loans | 1.43% | 1.28% | +0.15% | 73rd above |
| ACL / NPLs (Coverage) | 169.13% | 1539.64% | -1370.51% | 43rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.70% | 7.33% | -3.63% | 48th below |
| Provision / NCO | 140.35% | 1396.73% | -1256.38% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.49% | 19.50% | +3.99% | 86th top |
| Tier 1 Ratio | 23.49% | 19.53% | +3.96% | 86th top |
| Total Capital Ratio | 24.74% | 20.62% | +4.12% | 86th top |
| Leverage Ratio | 13.51% | 12.14% | +1.37% | 78th top |
| Equity / Assets | 13.42% | 11.37% | +2.05% | 81st top |
| TCE / Tangible Assets | 11.35% | 11.09% | +0.26% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.69% | 80.65% | -19.96% | 82nd top |
| Core Deposit Ratio | 92.09% | 86.86% | +5.23% | 68th above |
| Wholesale Funding Ratio | 0.28% | 5.04% | -4.76% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.89% | 6.86% | -9.75% | 8th bottom |
| Loan Growth (Y/Y) | 4.83% | 7.90% | -3.07% | 47th below |
| Deposit Growth (Y/Y) | -4.63% | 6.29% | -10.92% | 7th bottom |
See Citizens Bank of Kentucky, Inc'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 Kentucky, Inc, 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 Kentucky, Inc profile, how to read a UBPR, or how this data updates.