Citizens Bank of West Virginia, 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 West Virginia, Inc. of Elkins, WV 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 | 1.91% | 1.34% | +0.57% | 82nd top |
| ROAE | 18.94% | 13.32% | +5.62% | 83rd top |
| Net Interest Margin | 4.52% | 3.93% | +0.59% | 80th top |
| Efficiency Ratio | 42.98% | 61.14% | -18.16% | 92nd top |
| PPNR / Avg Assets | 2.73% | 1.68% | +1.05% | 93rd top |
| Yield on Earning Assets | 6.14% | 5.67% | +0.47% | 74th above |
| Cost of Funds | 1.72% | 1.88% | -0.16% | 55th above |
| Net Interest Spread | 4.00% | 3.32% | +0.68% | 83rd 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% | 0.94% | -0.36% | 42nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.49% | 0.70% | -0.21% | 39th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.16% | -0.08% | 21st bottom |
| ACL / Total Loans | 1.03% | 1.28% | -0.25% | 30th below |
| ACL / NPLs (Coverage) | 179.13% | 1547.24% | -1368.11% | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.76% | 7.34% | -2.58% | 43rd below |
| Provision / NCO | 138.64% | 1396.29% | -1257.65% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.00% | 12.14% | -2.14% | 31st below |
| Equity / Assets | 10.22% | 11.37% | -1.15% | 48th below |
| TCE / Tangible Assets | 9.54% | 11.08% | -1.54% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.00% | 80.65% | +9.35% | 28th below |
| Core Deposit Ratio | 89.26% | 86.85% | +2.41% | 51st above |
| Wholesale Funding Ratio | 1.36% | 5.04% | -3.68% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.19% | 6.84% | +6.35% | 89th top |
| Loan Growth (Y/Y) | 13.06% | 7.91% | +5.15% | 82nd top |
| Deposit Growth (Y/Y) | 12.77% | 6.28% | +6.49% | 88th top |
See Citizens Bank of West Virginia, Inc.'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 West Virginia, 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 West Virginia, Inc. profile, how to read a UBPR, or how this data updates.