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 Saint Paul, NE against its peer group of 2603 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 | 0.86% | 1.35% | -0.49% | 26th below |
| ROAE | 9.01% | 13.32% | -4.31% | 30th below |
| Net Interest Margin | 3.39% | 3.93% | -0.54% | 23rd bottom |
| Efficiency Ratio | 66.68% | 61.13% | +5.55% | 36th below |
| PPNR / Avg Assets | 1.02% | 1.68% | -0.66% | 21st bottom |
| Yield on Earning Assets | 5.33% | 5.67% | -0.34% | 37th below |
| Cost of Funds | 1.67% | 1.88% | -0.21% | 58th above |
| Net Interest Spread | 2.02% | 3.32% | -1.30% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 0.94% | -0.67% | 59th above |
| NPA / Total Assets | 0.18% | 0.70% | -0.52% | 61st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 40th below |
| ACL / Total Loans | 0.86% | 1.28% | -0.42% | 14th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 314.51% | 1546.44% | -1231.93% | 61st above |
| Texas Ratio | 17.20% | 7.33% | +9.87% | 10th bottom |
| Provision / NCO | 0.00% | 1395.36% | -1395.36% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.45% | 12.14% | -0.69% | 57th above |
| Equity / Assets | 9.61% | 11.37% | -1.76% | 38th below |
| TCE / Tangible Assets | 9.61% | 11.08% | -1.47% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.83% | 80.66% | +0.17% | 49th below |
| Core Deposit Ratio | 97.67% | 86.85% | +10.82% | 95th top |
| Wholesale Funding Ratio | 7.43% | 5.03% | +2.40% | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.59% | 6.84% | -4.25% | 36th below |
| Loan Growth (Y/Y) | 9.80% | 7.92% | +1.88% | 73rd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.09% | 6.29% | -2.20% | 50th above |
See Citizens Bank & Trust Company's peers by name
The 2603 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.