Citizens Bank of Morgantown, 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 Morgantown, Inc. of Morgantown, WV against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.36% | 3.14% | -1.78% | 65th above |
| ROAE | 7.68% | 10.42% | -2.74% | 46th below |
| Net Interest Margin | 4.93% | 3.93% | +1.00% | 86th top |
| Efficiency Ratio | 64.00% | 76.32% | -12.32% | 63rd above |
| PPNR / Avg Assets | 1.77% | 1.40% | +0.37% | 72nd above |
| Yield on Earning Assets | 5.95% | 5.35% | +0.60% | 75th top |
| Cost of Funds | 1.19% | 1.71% | -0.52% | 69th above |
| Net Interest Spread | 4.44% | 3.31% | +1.13% | 89th 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. | 0.58% | 1.34% | -0.76% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.44% | 0.71% | -0.27% | 34th below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.96% | 1.49% | +0.47% | 82nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 338.10% | 865.28% | -527.18% | 71st above |
| Texas Ratio | 2.30% | 8.26% | -5.96% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.79% | 17.60% | +1.19% | 78th top |
| Equity / Assets | 17.58% | 16.42% | +1.16% | 76th top |
| TCE / Tangible Assets | 17.58% | 16.17% | +1.41% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.48% | 72.80% | +20.68% | 15th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.16% | 88.21% | +0.95% | 37th below |
| Wholesale Funding Ratio | 0.38% | 5.29% | -4.91% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.76% | 4.31% | -1.55% | 50th above |
| Loan Growth (Y/Y) | 7.33% | 6.72% | +0.61% | 70th above |
| Deposit Growth (Y/Y) | 0.55% | 3.77% | -3.22% | 41st below |
See Citizens Bank of Morgantown, Inc.'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 Morgantown, 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 Morgantown, Inc. profile, how to read a UBPR, or how this data updates.