Citizens Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank & Trust of Guntersville, AL 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 | 0.62% | 1.44% | -0.82% | 12th bottom |
| ROAE | 9.63% | 12.51% | -2.88% | 28th below |
| Net Interest Margin | 2.68% | 3.84% | -1.16% | 7th bottom |
| Efficiency Ratio | 76.37% | 58.85% | +17.52% | 10th bottom |
| PPNR / Avg Assets | 0.73% | 1.78% | -1.05% | 8th bottom |
| Yield on Earning Assets | 4.64% | 5.71% | -1.07% | 10th bottom |
| Cost of Funds | 2.00% | 2.03% | -0.03% | 52nd above |
| Net Interest Spread | 2.16% | 3.18% | -1.02% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.97% | -0.78% | 82nd top |
| NPA / Total Assets | 0.11% | 0.75% | -0.64% | 84th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.31% | -0.26% | 42nd below |
| ACL / Total Loans | 1.04% | 1.25% | -0.21% | 35th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 542.57% | 699.01% | -156.44% | 83rd top |
| Texas Ratio | 1.64% | 7.17% | -5.53% | 81st top |
| Provision / NCO | 0.00% | 815.61% | -815.61% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.67% | 17.41% | -2.74% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.67% | 17.45% | -2.78% | 66th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.64% | 18.50% | -2.86% | 65th above |
| Leverage Ratio | 8.93% | 11.60% | -2.67% | 10th bottom |
| Equity / Assets | 6.30% | 11.34% | -5.04% | 1st bottom |
| TCE / Tangible Assets | 6.30% | 10.65% | -4.35% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.58% | 86.38% | -29.80% | 95th top |
| Core Deposit Ratio | 92.24% | 85.55% | +6.69% | 70th above |
| Uninsured Deposit Ratio | 30.32% | 32.71% | -2.39% | 52nd above |
| Wholesale Funding Ratio | 1.48% | 5.46% | -3.98% | 75th 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. | 10.43% | 10.46% | -0.03% | 77th top |
| Loan Growth (Y/Y) | 2.21% | 8.00% | -5.79% | 30th below |
| Deposit Growth (Y/Y) | 10.93% | 7.98% | +2.95% | 78th top |
See Citizens Bank & Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank & Trust, 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 Citizens Bank & Trust profile, how to read a UBPR, or how this data updates.