Citizens Bank & Trust Co., Hutchinson, MINN.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank & Trust Co., Hutchinson, MINN. of Hutchinson, MN 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 | 1.26% | 1.35% | -0.09% | 49th below |
| ROAE | 24.75% | 12.05% | +12.70% | 95th top |
| Net Interest Margin | 3.35% | 3.90% | -0.55% | 22nd bottom |
| Efficiency Ratio | 58.83% | 63.15% | -4.32% | 57th above |
| PPNR / Avg Assets | 1.26% | 1.64% | -0.38% | 32nd below |
| Yield on Earning Assets | 4.55% | 5.65% | -1.10% | 9th bottom |
| Cost of Funds | 1.21% | 1.85% | -0.64% | 84th top |
| Net Interest Spread | 2.94% | 3.35% | -0.41% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.92% | -0.66% | 60th above |
| NPA / Total Assets | 0.20% | 0.67% | -0.47% | 60th above |
| NCO / Avg Loans | 0.19% | 0.15% | +0.04% | 13th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.28% | -0.02% | 57th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 491.33% | 1645.63% | -1154.30% | 70th above |
| Texas Ratio | 3.50% | 7.15% | -3.65% | 50th above |
| Provision / NCO | -5.26% | 1189.92% | -1195.18% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.96% | 20.83% | -6.87% | 38th below |
| Tier 1 Ratio | 13.96% | 20.87% | -6.91% | 38th below |
| Total Capital Ratio | 15.07% | 21.94% | -6.87% | 39th below |
| Leverage Ratio | 8.63% | 12.47% | -3.84% | 8th bottom |
| Equity / Assets | 4.98% | 11.67% | -6.69% | 1st bottom |
| TCE / Tangible Assets | 4.98% | 11.40% | -6.42% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.95% | 78.65% | -22.70% | 87th top |
| Core Deposit Ratio | 96.23% | 87.09% | +9.14% | 90th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.13% | 5.11% | -0.98% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.98% | 6.48% | -9.46% | 8th bottom |
| Loan Growth (Y/Y) | 2.30% | 7.64% | -5.34% | 33rd below |
| Deposit Growth (Y/Y) | -5.59% | 6.03% | -11.62% | 6th bottom |
See Citizens Bank & Trust Co., Hutchinson, MINN.'s peers by name
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Unlock Citizens Bank & Trust Co., Hutchinson, MINN., 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 Co., Hutchinson, MINN. profile, how to read a UBPR, or how this data updates.