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 Morehead, 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 | 2.08% | 1.34% | +0.74% | 87th top |
| ROAE | 25.33% | 13.31% | +12.02% | 96th top |
| Net Interest Margin | 4.78% | 3.93% | +0.85% | 88th top |
| Efficiency Ratio | 59.95% | 61.14% | -1.19% | 54th above |
| PPNR / Avg Assets | 2.20% | 1.68% | +0.52% | 80th top |
| Yield on Earning Assets | 5.48% | 5.67% | -0.19% | 44th below |
| Cost of Funds | 0.72% | 1.88% | -1.16% | 96th top |
| Net Interest Spread | 4.51% | 3.32% | +1.19% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.94% | -0.88% | 77th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 79th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.16% | -0.08% | 21st bottom |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 23rd bottom |
| ACL / NPLs (Coverage) | 1648.89% | 1538.65% | +110.24% | — |
| Texas Ratio | 0.50% | 7.33% | -6.83% | 80th top |
| Provision / NCO | 123.40% | 1395.92% | -1272.52% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.04% | 19.50% | -3.46% | 57th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.04% | 19.54% | -3.50% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.27% | 20.62% | -3.35% | 58th above |
| Leverage Ratio | 8.72% | 12.14% | -3.42% | 9th bottom |
| Equity / Assets | 8.30% | 11.38% | -3.08% | 17th bottom |
| TCE / Tangible Assets | 7.58% | 11.09% | -3.51% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.65% | 80.64% | +3.01% | 44th below |
| Core Deposit Ratio | 97.46% | 86.86% | +10.60% | 94th top |
| Wholesale Funding Ratio | 11.91% | 5.03% | +6.88% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.06% | 6.85% | -5.79% | 26th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.74% | 7.90% | -2.16% | 53rd above |
| Deposit Growth (Y/Y) | -0.67% | 6.29% | -6.96% | 20th bottom |
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.