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 Hahira, GA 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. | 1.30% | 1.34% | -0.04% | 52nd above |
| ROAE | 20.35% | 13.31% | +7.04% | 88th top |
| Net Interest Margin | 4.03% | 3.93% | +0.10% | 55th above |
| Efficiency Ratio | 66.29% | 61.14% | +5.15% | 36th below |
| PPNR / Avg Assets | 1.45% | 1.68% | -0.23% | 42nd below |
| Yield on Earning Assets | 5.68% | 5.67% | +0.01% | 54th above |
| Cost of Funds | 1.70% | 1.88% | -0.18% | 56th above |
| Net Interest Spread | 3.18% | 3.32% | -0.14% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.04% | 0.94% | +0.10% | 27th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.64% | 0.70% | -0.06% | 32nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 27th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 53rd above |
| ACL / NPLs (Coverage) | 117.97% | 1539.01% | -1421.04% | 33rd below |
| Texas Ratio | 9.03% | 7.33% | +1.70% | 25th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 321.43% | 1395.84% | -1074.41% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.57% | 19.50% | -5.93% | 34th below |
| Tier 1 Ratio | 13.57% | 19.54% | -5.97% | 34th below |
| Total Capital Ratio | 14.75% | 20.62% | -5.87% | 35th below |
| Leverage Ratio | 8.94% | 12.14% | -3.20% | 12th bottom |
| Equity / Assets | 6.62% | 11.38% | -4.76% | 5th bottom |
| TCE / Tangible Assets | 6.62% | 11.09% | -4.47% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.26% | 80.64% | -12.38% | 73rd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.06% | 86.86% | +0.20% | 39th below |
| Wholesale Funding Ratio | 2.70% | 5.03% | -2.33% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.94% | 6.85% | +2.09% | 79th top |
| Loan Growth (Y/Y) | 11.89% | 7.90% | +3.99% | 79th top |
| Deposit Growth (Y/Y) | 7.27% | 6.29% | +0.98% | 72nd 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.