Citizens Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Community Bank of Winchester, TN 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 | 1.87% | 1.35% | +0.52% | 81st top |
| ROAE | 14.78% | 12.05% | +2.73% | 65th above |
| Net Interest Margin | 4.26% | 3.90% | +0.36% | 68th above |
| Efficiency Ratio | 41.21% | 63.16% | -21.95% | 94th top |
| PPNR / Avg Assets | 2.58% | 1.64% | +0.94% | 91st top |
| Yield on Earning Assets | 6.09% | 5.65% | +0.44% | 72nd above |
| Cost of Funds | 2.03% | 1.85% | +0.18% | 35th below |
| Net Interest Spread | 3.66% | 3.35% | +0.31% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.92% | -0.89% | 81st top |
| NPA / Total Assets | 0.02% | 0.67% | -0.65% | 82nd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.15% | -0.07% | 21st bottom |
| ACL / Total Loans | 1.41% | 1.28% | +0.13% | 72nd above |
| ACL / NPLs (Coverage) | 4140.26% | 1644.08% | +2496.18% | — |
| Texas Ratio | 1.76% | 7.15% | -5.39% | 65th above |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.58% | 12.46% | +2.12% | 84th top |
| Equity / Assets | 12.81% | 11.67% | +1.14% | 77th top |
| TCE / Tangible Assets | 12.81% | 11.40% | +1.41% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.58% | 78.65% | -4.07% | 62nd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.76% | 87.09% | +1.67% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.00% | 6.48% | -6.48% | 19th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.87% | 7.64% | -0.77% | 59th above |
| Deposit Growth (Y/Y) | -1.58% | 6.03% | -7.61% | 15th bottom |
See Citizens Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Community Bank, 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 Community Bank profile, how to read a UBPR, or how this data updates.