The Citizens Bank of Winfield: 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 Winfield of Winfield, AL 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 | 0.33% | 1.34% | -1.01% | 9th bottom |
| ROAE | 3.96% | 13.32% | -9.36% | 11th bottom |
| Net Interest Margin | 2.52% | 3.93% | -1.41% | 3rd bottom |
| Efficiency Ratio | 64.50% | 61.14% | +3.36% | 40th below |
| PPNR / Avg Assets | 0.87% | 1.68% | -0.81% | 16th bottom |
| Yield on Earning Assets | 5.07% | 5.67% | -0.60% | 26th below |
| Cost of Funds | 2.99% | 1.88% | +1.11% | 6th bottom |
| Net Interest Spread | 1.81% | 3.32% | -1.51% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.94% | -0.70% | 61st above |
| NPA / Total Assets | 0.21% | 0.70% | -0.49% | 59th above |
| NCO / Avg Loans | 0.53% | 0.16% | +0.37% | 6th bottom |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 31st below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 442.54% | 1539.02% | -1096.48% | 68th above |
| Texas Ratio | 2.76% | 7.33% | -4.57% | 55th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 159.18% | 1396.04% | -1236.86% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.51% | 12.14% | +5.37% | 93rd top |
| Equity / Assets | 9.75% | 11.37% | -1.62% | 40th below |
| TCE / Tangible Assets | 9.75% | 11.09% | -1.34% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.72% | 80.64% | -27.92% | 90th top |
| Core Deposit Ratio | 71.53% | 86.86% | -15.33% | 6th bottom |
| Wholesale Funding Ratio | 17.92% | 5.03% | +12.89% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.98% | 6.85% | +4.13% | 85th top |
| Loan Growth (Y/Y) | 21.75% | 7.90% | +13.85% | 94th top |
| Deposit Growth (Y/Y) | 7.34% | 6.29% | +1.05% | 72nd above |
See The Citizens Bank of Winfield's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens Bank of Winfield, 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 Winfield profile, how to read a UBPR, or how this data updates.