The Citizens Bank: 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 Greensboro, 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 | 1.09% | 1.34% | -0.25% | 38th below |
| ROAE | 11.41% | 13.31% | -1.90% | 44th below |
| Net Interest Margin | 3.07% | 3.93% | -0.86% | 12th bottom |
| Efficiency Ratio | 53.39% | 61.14% | -7.75% | 73rd above |
| PPNR / Avg Assets | 1.34% | 1.68% | -0.34% | 35th below |
| Yield on Earning Assets | 4.46% | 5.67% | -1.21% | 8th bottom |
| Cost of Funds | 1.52% | 1.88% | -0.36% | 68th above |
| Net Interest Spread | 2.38% | 3.32% | -0.94% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.72% | 0.94% | -0.22% | 37th below |
| NPA / Total Assets | 0.21% | 0.70% | -0.49% | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.16% | -0.09% | 22nd bottom |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 64th above |
| ACL / NPLs (Coverage) | 184.07% | 1538.86% | -1354.79% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.47% | 7.33% | -1.86% | 38th below |
| Provision / NCO | 136.36% | 1395.73% | -1259.37% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.00% | 19.50% | +1.50% | 80th top |
| Tier 1 Ratio | 21.00% | 19.54% | +1.46% | 80th top |
| Total Capital Ratio | 21.83% | 20.62% | +1.21% | 79th top |
| Leverage Ratio | 12.22% | 12.14% | +0.08% | 67th above |
| Equity / Assets | 9.61% | 11.37% | -1.76% | 38th below |
| TCE / Tangible Assets | 9.61% | 11.09% | -1.48% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 32.48% | 80.64% | -48.16% | 98th top |
| Core Deposit Ratio | 86.02% | 86.86% | -0.84% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.71% | 6.85% | -5.14% | 31st below |
| Loan Growth (Y/Y) | -1.33% | 7.90% | -9.23% | 18th bottom |
| Deposit Growth (Y/Y) | 0.60% | 6.29% | -5.69% | 27th below |
See The Citizens Bank'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, 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 profile, how to read a UBPR, or how this data updates.