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 Olanta, SC against its peer group of 931 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 Behind the peer average, ahead of the median peer. | 1.30% | 1.46% | -0.16% | 52nd above |
| ROAE Behind the peer average, ahead of the median peer. | 12.34% | 12.72% | -0.38% | 50th above |
| Net Interest Margin | 4.26% | 3.85% | +0.41% | 81st top |
| Efficiency Ratio | 59.52% | 57.40% | +2.12% | 46th below |
| PPNR / Avg Assets | 1.64% | 1.88% | -0.24% | 45th below |
| Yield on Earning Assets | 5.32% | 5.72% | -0.40% | 36th below |
| Cost of Funds | 1.13% | 2.02% | -0.89% | 92nd top |
| Net Interest Spread | 3.86% | 3.18% | +0.68% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 1.00% | -0.75% | 77th top |
| NPA / Total Assets | 0.21% | 0.76% | -0.55% | 75th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 47th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.31% | -0.06% | 65th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 503.92% | 543.37% | -39.45% | 81st top |
| Texas Ratio | 2.24% | 7.39% | -5.15% | 74th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 386.71% | 618.72% | -232.01% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.33% | 17.34% | -0.01% | 84th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.33% | 17.37% | -0.04% | 84th top |
| Total Capital Ratio | 18.58% | 18.42% | +0.16% | 85th top |
| Leverage Ratio | 9.91% | 11.44% | -1.53% | 34th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.73% | 11.34% | -0.61% | 55th above |
| TCE / Tangible Assets | 9.23% | 10.50% | -1.27% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.30% | 86.96% | -23.66% | 92nd top |
| Core Deposit Ratio | 98.30% | 85.55% | +12.75% | 97th top |
| Uninsured Deposit Ratio | 28.19% | 33.12% | -4.93% | 59th above |
| Wholesale Funding Ratio | 0.30% | 5.71% | -5.41% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.63% | 9.68% | -2.05% | 66th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.13% | 8.06% | -0.93% | 59th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.07% | 7.87% | -0.80% | 63rd above |
See The Citizens Bank's peers by name
The 931 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.