Citizens Bank & Trust Co. of Jackson: 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. of Jackson of Jackson, 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 | 1.00% | 1.35% | -0.35% | 33rd below |
| ROAE | 9.61% | 12.05% | -2.44% | 34th below |
| Net Interest Margin | 4.38% | 3.90% | +0.48% | 74th above |
| Efficiency Ratio | 77.84% | 63.14% | +14.70% | 16th bottom |
| PPNR / Avg Assets | 1.06% | 1.64% | -0.58% | 23rd bottom |
| Yield on Earning Assets | 6.02% | 5.65% | +0.37% | 69th above |
| Cost of Funds | 1.86% | 1.85% | +0.01% | 46th below |
| Net Interest Spread | 3.92% | 3.35% | +0.57% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.03% | 0.92% | +2.11% | 6th bottom |
| NPA / Total Assets | 2.70% | 0.67% | +2.03% | 4th bottom |
| NCO / Avg Loans | 0.16% | 0.15% | +0.01% | 14th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.28% | -0.02% | 57th above |
| ACL / NPLs (Coverage) | 41.66% | 1645.82% | -1604.16% | 7th bottom |
| Texas Ratio | 28.06% | 7.14% | +20.92% | 3rd bottom |
| Provision / NCO | 72.29% | 1189.88% | -1117.59% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.35% | 20.83% | -6.48% | 42nd below |
| Tier 1 Ratio | 14.35% | 20.87% | -6.52% | 42nd below |
| Total Capital Ratio | 15.60% | 21.94% | -6.34% | 44th below |
| Leverage Ratio | 9.71% | 12.46% | -2.75% | 26th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.54% | 11.67% | -1.13% | 53rd above |
| TCE / Tangible Assets | 9.63% | 11.40% | -1.77% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.18% | 78.64% | +6.54% | 40th below |
| Core Deposit Ratio | 82.26% | 87.10% | -4.84% | 21st bottom |
| Wholesale Funding Ratio | 1.15% | 5.12% | -3.97% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.69% | 6.48% | -5.79% | 23rd bottom |
| Loan Growth (Y/Y) | 1.58% | 7.64% | -6.06% | 29th below |
| Deposit Growth (Y/Y) | -0.20% | 6.03% | -6.23% | 22nd bottom |
See Citizens Bank & Trust Co. of Jackson's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank & Trust Co. of Jackson, 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. of Jackson profile, how to read a UBPR, or how this data updates.