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 Campbellsville, 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 Behind the peer average, ahead of the median peer. | 1.26% | 1.34% | -0.08% | 50th above |
| ROAE | 10.36% | 13.32% | -2.96% | 38th below |
| Net Interest Margin | 3.17% | 3.93% | -0.76% | 15th bottom |
| Efficiency Ratio | 52.71% | 61.14% | -8.43% | 75th top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.59% | 1.68% | -0.09% | 50th above |
| Yield on Earning Assets | 5.15% | 5.67% | -0.52% | 29th below |
| Cost of Funds | 2.25% | 1.88% | +0.37% | 23rd bottom |
| Net Interest Spread | 2.30% | 3.32% | -1.02% | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.02% | 0.94% | +0.08% | 28th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.56% | 0.70% | -0.14% | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 28th below |
| ACL / Total Loans | 1.57% | 1.28% | +0.29% | 82nd top |
| ACL / NPLs (Coverage) | 153.40% | 1539.24% | -1385.84% | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.26% | 7.33% | -2.07% | 39th below |
| Provision / NCO | 0.00% | 1396.28% | -1396.28% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.12% | 12.14% | +0.98% | 76th top |
| Equity / Assets | 12.27% | 11.37% | +0.90% | 73rd above |
| TCE / Tangible Assets | 12.27% | 11.09% | +1.18% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.59% | 80.64% | -19.05% | 81st top |
| Core Deposit Ratio | 91.57% | 86.86% | +4.71% | 64th above |
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. | 4.40% | 6.85% | -2.45% | 50th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.85% | 7.90% | -2.05% | 53rd above |
| Deposit Growth (Y/Y) | 3.75% | 6.29% | -2.54% | 48th 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.