The Citizens Bank of Philadelphia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens Bank of Philadelphia of Philadelphia, MS against its peer group of 931 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 | 0.92% | 1.44% | -0.52% | 25th below |
| ROAE | 16.95% | 12.50% | +4.45% | 80th top |
| Net Interest Margin | 3.44% | 3.84% | -0.40% | 33rd below |
| Efficiency Ratio | 68.59% | 58.86% | +9.73% | 24th bottom |
| PPNR / Avg Assets | 1.29% | 1.78% | -0.49% | 27th below |
| Yield on Earning Assets | 5.10% | 5.71% | -0.61% | 24th bottom |
| Cost of Funds | 1.68% | 2.03% | -0.35% | 71st above |
| Net Interest Spread | 3.01% | 3.18% | -0.17% | 46th 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. | 0.67% | 0.96% | -0.29% | 47th below |
| NPA / Total Assets | 0.49% | 0.75% | -0.26% | 51st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.31% | -0.24% | 35th below |
| ACL / Total Loans | 1.06% | 1.25% | -0.19% | 37th below |
| ACL / NPLs (Coverage) | 158.46% | 699.44% | -540.98% | 45th below |
| Texas Ratio | 9.12% | 7.16% | +1.96% | 26th below |
| Provision / NCO | 139.81% | 815.42% | -675.61% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.38% | 17.41% | -5.03% | 32nd below |
| Tier 1 Ratio | 12.38% | 17.45% | -5.07% | 31st below |
| Total Capital Ratio | 13.36% | 18.51% | -5.15% | 30th below |
| Leverage Ratio | 9.11% | 11.60% | -2.49% | 14th bottom |
| Equity / Assets | 5.58% | 11.34% | -5.76% | 1st bottom |
| TCE / Tangible Assets | 4.78% | 10.66% | -5.88% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.82% | 86.37% | -18.55% | 88th top |
| Core Deposit Ratio | 92.11% | 85.55% | +6.56% | 69th above |
| Uninsured Deposit Ratio | 16.56% | 32.73% | -16.17% | 90th top |
| Wholesale Funding Ratio | 8.08% | 5.45% | +2.63% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.16% | 10.47% | -15.63% | 4th bottom |
| Loan Growth (Y/Y) | 9.29% | 7.99% | +1.30% | 71st above |
| Deposit Growth (Y/Y) | 4.16% | 7.98% | -3.82% | 46th below |
See The Citizens Bank of Philadelphia's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens Bank of Philadelphia, 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 The Citizens Bank of Philadelphia profile, how to read a UBPR, or how this data updates.