The Citizens Bank of Weston, Inc.: 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 Weston, Inc. of Weston, 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 | 1.64% | 1.34% | +0.30% | 71st above |
| ROAE | 15.65% | 13.32% | +2.33% | 69th above |
| Net Interest Margin | 4.32% | 3.93% | +0.39% | 71st above |
| Efficiency Ratio | 50.32% | 61.13% | -10.81% | 80th top |
| PPNR / Avg Assets | 2.28% | 1.68% | +0.60% | 83rd top |
| Yield on Earning Assets | 6.06% | 5.67% | +0.39% | 71st above |
| Cost of Funds | 1.93% | 1.88% | +0.05% | 41st below |
| Net Interest Spread | 3.44% | 3.32% | +0.12% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.09% | 0.94% | +0.15% | 26th below |
| NPA / Total Assets | 0.84% | 0.70% | +0.14% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 37th below |
| ACL / Total Loans | 1.33% | 1.28% | +0.05% | 66th above |
| ACL / NPLs (Coverage) | 122.43% | 1546.58% | -1424.15% | 34th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.26% | 7.34% | -0.08% | 30th below |
| Provision / NCO | 74.74% | 1395.45% | -1320.71% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.91% | 12.14% | -1.23% | 49th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.62% | 11.36% | -0.74% | 54th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.62% | 11.08% | -0.46% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.49% | 80.66% | +0.83% | 48th below |
| Core Deposit Ratio | 92.34% | 86.85% | +5.49% | 70th above |
| Wholesale Funding Ratio | 0.53% | 5.04% | -4.51% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.04% | 6.84% | -2.80% | 47th below |
| Loan Growth (Y/Y) | -0.23% | 7.92% | -8.15% | 22nd bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.23% | 6.29% | -0.06% | 66th above |
See The Citizens Bank of Weston, Inc.'s peers by name
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Unlock The Citizens Bank of Weston, 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 The Citizens Bank of Weston, Inc. profile, how to read a UBPR, or how this data updates.