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 Covington, LA 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 | 0.48% | 1.35% | -0.87% | 13th bottom |
| ROAE | 4.66% | 12.06% | -7.40% | 13th bottom |
| Net Interest Margin | 3.60% | 3.90% | -0.30% | 32nd below |
| Efficiency Ratio | 76.27% | 63.14% | +13.13% | 18th bottom |
| PPNR / Avg Assets | 0.86% | 1.64% | -0.78% | 16th bottom |
| Yield on Earning Assets | 5.40% | 5.65% | -0.25% | 40th below |
| Cost of Funds | 1.98% | 1.85% | +0.13% | 39th below |
| Net Interest Spread | 2.72% | 3.35% | -0.63% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 7.15% | 0.92% | +6.23% | 1st bottom |
| NPA / Total Assets | 4.90% | 0.67% | +4.23% | 1st bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.15% | -0.02% | 17th bottom |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 67th above |
| ACL / NPLs (Coverage) | 18.85% | 1645.83% | -1626.98% | 1st bottom |
| Texas Ratio | 42.74% | 7.14% | +35.60% | 1st bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 193.44% | 1189.80% | -996.36% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.14% | 12.46% | -1.32% | 53rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.61% | 11.67% | -1.06% | 54th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.61% | 11.40% | -0.79% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.31% | 78.65% | -7.34% | 68th above |
| Core Deposit Ratio | 85.57% | 87.09% | -1.52% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.80% | 6.48% | -5.68% | 24th bottom |
| Loan Growth (Y/Y) | -16.22% | 7.65% | -23.87% | 1st bottom |
| Deposit Growth (Y/Y) | 0.50% | 6.03% | -5.53% | 26th below |
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.