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 Viroqua, WI 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 | 1.90% | 1.25% | +0.65% | 81st top |
| ROAE | 20.14% | 13.17% | +6.97% | 87th top |
| Net Interest Margin | 4.32% | 3.95% | +0.37% | 71st above |
| Efficiency Ratio | 58.88% | 61.50% | -2.62% | 56th above |
| PPNR / Avg Assets | 1.90% | — | — | 67th above |
| Yield on Earning Assets | 6.16% | 5.67% | +0.49% | 75th top |
| Cost of Funds | 1.97% | 1.87% | +0.10% | 39th below |
| Net Interest Spread | 3.69% | — | — | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.53% | 0.93% | -0.40% | 44th below |
| NPA / Total Assets | 0.39% | — | — | 44th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 76th top |
| ACL / Total Loans | 1.26% | — | — | 57th above |
| ACL / NPLs (Coverage) | 237.53% | — | — | 53rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.22% | 6.06% | -2.84% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.26% | 11.75% | -1.49% | 37th below |
| Equity / Assets | 9.57% | 10.98% | -1.41% | 36th below |
| TCE / Tangible Assets | 9.14% | — | — | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.24% | 80.44% | +9.80% | 28th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.47% | 86.95% | +1.52% | 46th below |
| Wholesale Funding Ratio | 7.78% | — | — | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.36% | — | — | 49th below |
| Loan Growth (Y/Y) | 5.10% | — | — | 48th below |
| Deposit Growth (Y/Y) | 4.12% | — | — | 50th 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.