Citizens First Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens First Bank of Clinton, IA against its peer group of 2757 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% | 1.25% | -0.04% | 45th below |
| ROAE | 19.30% | 12.22% | +7.08% | 84th top |
| Net Interest Margin | 3.34% | 3.95% | -0.61% | 21st bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.03% | 63.71% | -1.68% | 47th below |
| PPNR / Avg Assets | 1.43% | — | — | 40th below |
| Yield on Earning Assets | 5.71% | 5.67% | +0.04% | 55th above |
| Cost of Funds | 2.51% | 1.87% | +0.64% | 15th bottom |
| Net Interest Spread | 2.89% | — | — | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.71% | 0.88% | +0.83% | 16th bottom |
| NPA / Total Assets | 1.36% | — | — | 14th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 41st below |
| ACL / Total Loans | 1.17% | — | — | 47th below |
| ACL / NPLs (Coverage) | 68.33% | — | — | 17th bottom |
| Texas Ratio | 18.18% | 5.96% | +12.22% | 7th bottom |
| Provision / NCO | 2750.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.97% | 17.18% | -7.21% | 2nd bottom |
| Tier 1 Ratio | 9.97% | 17.21% | -7.24% | 2nd bottom |
| Total Capital Ratio | 11.09% | — | — | 2nd bottom |
| Leverage Ratio | 8.24% | 11.75% | -3.51% | 3rd bottom |
| Equity / Assets | 6.54% | 10.98% | -4.44% | 4th bottom |
| TCE / Tangible Assets | 6.54% | — | — | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.81% | 80.44% | +22.37% | 8th bottom |
| Core Deposit Ratio | 73.54% | 86.95% | -13.41% | 7th bottom |
| Wholesale Funding Ratio | 15.80% | — | — | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.47% | — | — | 65th above |
| Loan Growth (Y/Y) | 13.98% | — | — | 84th top |
| Deposit Growth (Y/Y) | 5.57% | — | — | 60th above |
See Citizens First Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens First 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 First Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Citizens First Bank peer analysis.