Citizens Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank & Trust Company of Van Buren, AR 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 | 1.57% | 1.34% | +0.23% | 67th above |
| ROAE | 14.41% | 13.31% | +1.10% | 62nd above |
| Net Interest Margin | 3.95% | 3.93% | +0.02% | 50th above |
| Efficiency Ratio | 46.56% | 61.15% | -14.59% | 87th top |
| PPNR / Avg Assets | 2.20% | 1.68% | +0.52% | 80th top |
| Yield on Earning Assets | 5.45% | 5.67% | -0.22% | 43rd below |
| Cost of Funds | 1.62% | 1.88% | -0.26% | 61st above |
| Net Interest Spread | 3.30% | 3.32% | -0.02% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.94% | -0.69% | 61st above |
| NPA / Total Assets | 0.14% | 0.70% | -0.56% | 66th above |
| NCO / Avg Loans | 0.23% | 0.16% | +0.07% | 11th bottom |
| ACL / Total Loans | 1.51% | 1.28% | +0.23% | 79th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 603.09% | 1539.23% | -936.14% | 74th above |
| Texas Ratio | 1.23% | 7.33% | -6.10% | 70th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 215.53% | 1396.47% | -1180.94% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.78% | 12.14% | -0.36% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.78% | 11.37% | -0.59% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.71% | 11.09% | -0.38% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.77% | 80.65% | -18.88% | 81st top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.01% | 86.86% | +1.15% | 44th below |
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. | 4.54% | 6.85% | -2.31% | 51st above |
| Loan Growth (Y/Y) | -1.21% | 7.91% | -9.12% | 18th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.34% | 6.29% | -1.95% | 52nd above |
See Citizens Bank & Trust Company'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 Company, 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 Company profile, how to read a UBPR, or how this data updates.