Citizens Bank of the Midwest: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank of the Midwest of Rolla, MO 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 | 0.89% | 1.34% | -0.45% | 27th below |
| ROAE | 15.80% | 13.31% | +2.49% | 70th above |
| Net Interest Margin | 2.98% | 3.93% | -0.95% | 9th bottom |
| Efficiency Ratio | 60.30% | 61.14% | -0.84% | 53rd above |
| PPNR / Avg Assets | 1.17% | 1.68% | -0.51% | 27th below |
| Yield on Earning Assets | 5.90% | 5.67% | +0.23% | 64th above |
| Cost of Funds | 2.78% | 1.88% | +0.90% | 9th bottom |
| Net Interest Spread | 2.56% | 3.32% | -0.76% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 56th above |
| NPA / Total Assets | 2.59% | 0.70% | +1.89% | 5th bottom |
| NCO / Avg Loans | -0.05% | 0.16% | -0.21% | 95th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 390.00% | 1538.96% | -1148.96% | 66th above |
| Texas Ratio | 37.86% | 7.32% | +30.54% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.83% | 19.50% | -7.67% | 16th bottom |
| Tier 1 Ratio | 11.83% | 19.54% | -7.71% | 16th bottom |
| Total Capital Ratio | 13.03% | 20.62% | -7.59% | 16th bottom |
| Leverage Ratio | 8.39% | 12.14% | -3.75% | 5th bottom |
| Equity / Assets | 5.96% | 11.38% | -5.42% | 2nd bottom |
| TCE / Tangible Assets | 5.96% | 11.09% | -5.13% | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.64% | 80.64% | +6.00% | 36th below |
| Core Deposit Ratio | 81.75% | 86.86% | -5.11% | 20th bottom |
| Wholesale Funding Ratio | 12.97% | 5.03% | +7.94% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.05% | 6.85% | -6.90% | 19th bottom |
| Loan Growth (Y/Y) | 1.56% | 7.90% | -6.34% | 29th below |
| Deposit Growth (Y/Y) | -3.31% | 6.29% | -9.60% | 10th bottom |
See Citizens Bank of the Midwest'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 the Midwest, 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 the Midwest profile, how to read a UBPR, or how this data updates.