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 Big Timber, MT 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 | 15.05% | 13.31% | +1.74% | 66th above |
| Net Interest Margin | 4.09% | 3.93% | +0.16% | 58th above |
| Efficiency Ratio | 51.34% | 61.14% | -9.80% | 78th top |
| PPNR / Avg Assets | 2.02% | 1.68% | +0.34% | 73rd above |
| Yield on Earning Assets | 5.23% | 5.67% | -0.44% | 32nd below |
| Cost of Funds | 1.19% | 1.88% | -0.69% | 85th top |
| Net Interest Spread | 3.39% | 3.32% | +0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.22% | 0.94% | +1.28% | 11th bottom |
| NPA / Total Assets | 1.38% | 0.70% | +0.68% | 14th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 2.13% | 1.28% | +0.85% | 94th top |
| ACL / NPLs (Coverage) | 96.12% | 1538.91% | -1442.79% | 26th below |
| Texas Ratio | 19.23% | 7.33% | +11.90% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.95% | 19.50% | -4.55% | 48th below |
| Tier 1 Ratio | 14.95% | 19.54% | -4.59% | 48th below |
| Total Capital Ratio | 16.21% | 20.62% | -4.41% | 49th below |
| Leverage Ratio | 9.92% | 12.14% | -2.22% | 30th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.58% | 11.37% | -0.79% | 54th above |
| TCE / Tangible Assets | 9.48% | 11.09% | -1.61% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.84% | 80.64% | -4.80% | 60th above |
| Core Deposit Ratio | 93.79% | 86.86% | +6.93% | 78th top |
| Wholesale Funding Ratio | 7.08% | 5.03% | +2.05% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.13% | 6.85% | -5.72% | 26th below |
| Loan Growth (Y/Y) | 17.68% | 7.90% | +9.78% | 90th top |
| Deposit Growth (Y/Y) | 8.31% | 6.29% | +2.02% | 77th top |
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.