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 Hickman, KY 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 | 1.96% | 1.35% | +0.61% | 84th top |
| ROAE | 17.35% | 12.05% | +5.30% | 77th top |
| Net Interest Margin | 4.00% | 3.90% | +0.10% | 53rd above |
| Efficiency Ratio | 53.81% | 63.15% | -9.34% | 72nd above |
| PPNR / Avg Assets | 1.96% | 1.64% | +0.32% | 71st above |
| Yield on Earning Assets | 6.12% | 5.65% | +0.47% | 73rd above |
| Cost of Funds | 2.26% | 1.85% | +0.41% | 23rd bottom |
| Net Interest Spread | 3.30% | 3.35% | -0.05% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.92% | -0.91% | 84th top |
| NPA / Total Assets | 0.01% | 0.67% | -0.66% | 85th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 30th below |
| ACL / Total Loans | 1.02% | 1.28% | -0.26% | 28th below |
| ACL / NPLs (Coverage) | 9444.44% | 1641.82% | +7802.62% | — |
| Texas Ratio | 2.15% | 7.15% | -5.00% | 62nd above |
| Provision / NCO | -60.00% | 1189.96% | -1249.96% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.67% | 12.46% | +0.21% | 72nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.55% | 11.67% | -0.12% | 66th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.35% | 11.40% | -0.05% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.10% | 78.64% | +7.46% | 37th below |
| Core Deposit Ratio | 89.30% | 87.09% | +2.21% | 51st above |
| Wholesale Funding Ratio | 0.20% | 5.12% | -4.92% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.78% | 6.48% | -3.70% | 38th below |
| Loan Growth (Y/Y) | 11.72% | 7.64% | +4.08% | 79th top |
| Deposit Growth (Y/Y) | 1.51% | 6.02% | -4.51% | 32nd 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.