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 Mascoutah, IL 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 | -1.21% | 1.35% | -2.56% | 2nd bottom |
| ROAE | -13.59% | 12.06% | -25.65% | 2nd bottom |
| Net Interest Margin | 2.36% | 3.90% | -1.54% | 2nd bottom |
| Efficiency Ratio | 76.79% | 63.14% | +13.65% | 17th bottom |
| PPNR / Avg Assets | 0.51% | 1.64% | -1.13% | 9th bottom |
| Yield on Earning Assets | 4.59% | 5.65% | -1.06% | 10th bottom |
| Cost of Funds | 2.42% | 1.85% | +0.57% | 18th bottom |
| Net Interest Spread | 1.85% | 3.35% | -1.50% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 10.29% | 0.91% | +9.38% | 0th bottom |
| NPA / Total Assets | 5.85% | 0.67% | +5.18% | 1st bottom |
| NCO / Avg Loans | -0.04% | 0.15% | -0.19% | 94th top |
| ACL / Total Loans | 2.84% | 1.28% | +1.56% | 98th top |
| ACL / NPLs (Coverage) | 27.61% | 1645.83% | -1618.22% | 3rd bottom |
| Texas Ratio | 57.51% | 7.13% | +50.38% | 1st bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 269.00% | 1189.76% | -920.76% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.83% | 12.46% | -2.63% | 28th below |
| Equity / Assets | 8.86% | 11.67% | -2.81% | 25th below |
| TCE / Tangible Assets | 8.86% | 11.40% | -2.54% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.00% | 78.65% | -15.65% | 80th top |
| Core Deposit Ratio | 84.98% | 87.09% | -2.11% | 30th below |
| Wholesale Funding Ratio | 6.21% | 5.11% | +1.10% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.85% | 6.47% | +0.38% | 68th above |
| Loan Growth (Y/Y) | 1.44% | 7.64% | -6.20% | 28th below |
| Deposit Growth (Y/Y) | 6.79% | 6.02% | +0.77% | 69th above |
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.