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 Rock Port, MO against its peer group of 2603 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 | 1.22% | 1.34% | -0.12% | 47th below |
| ROAE | 11.38% | 13.32% | -1.94% | 44th below |
| Net Interest Margin | 3.69% | 3.93% | -0.24% | 36th below |
| Efficiency Ratio | 68.28% | 61.13% | +7.15% | 32nd below |
| PPNR / Avg Assets | 1.23% | 1.68% | -0.45% | 30th below |
| Yield on Earning Assets | 4.76% | 5.67% | -0.91% | 15th bottom |
| Cost of Funds | 1.18% | 1.88% | -0.70% | 86th top |
| Net Interest Spread | 3.20% | 3.32% | -0.12% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.94% | -0.86% | 76th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 79th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.16% | -0.05% | 18th bottom |
| ACL / Total Loans | 1.06% | 1.28% | -0.22% | 32nd below |
| ACL / NPLs (Coverage) | 1397.50% | 1546.14% | -148.64% | — |
| Texas Ratio | 0.32% | 7.34% | -7.02% | 83rd top |
| Provision / NCO | 53.85% | 1395.08% | -1341.23% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.50% | 12.14% | +0.36% | 70th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.15% | 11.36% | -0.21% | 62nd above |
| TCE / Tangible Assets | 11.11% | 11.08% | +0.03% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.54% | 80.66% | -24.12% | 86th top |
| Core Deposit Ratio | 84.22% | 86.85% | -2.63% | 28th below |
| Wholesale Funding Ratio | 1.17% | 5.04% | -3.87% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.80% | 6.84% | -4.04% | 38th below |
| Loan Growth (Y/Y) | 4.09% | 7.92% | -3.83% | 43rd below |
| Deposit Growth (Y/Y) | 3.02% | 6.29% | -3.27% | 43rd below |
See Citizens Bank & Trust's peers by name
The 2603 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.