Citizens First National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens First National Bank of Storm Lake, IA 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 | 2.36% | 1.34% | +1.02% | 93rd top |
| ROAE | 15.38% | 13.31% | +2.07% | 68th above |
| Net Interest Margin | 4.15% | 3.93% | +0.22% | 62nd above |
| Efficiency Ratio | 55.17% | 61.14% | -5.97% | 68th above |
| PPNR / Avg Assets | 2.36% | 1.68% | +0.68% | 86th top |
| Yield on Earning Assets | 5.27% | 5.67% | -0.40% | 34th below |
| Cost of Funds | 1.30% | 1.88% | -0.58% | 80th top |
| Net Interest Spread | 3.71% | 3.32% | +0.39% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.11% | 0.16% | -0.27% | 97th top |
| ACL / Total Loans | 1.79% | 1.28% | +0.51% | 90th top |
| Texas Ratio | 0.10% | 7.33% | -7.23% | 87th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 27.33% | 19.50% | +7.83% | 91st top |
| Tier 1 Ratio | 27.33% | 19.53% | +7.80% | 91st top |
| Total Capital Ratio | 28.58% | 20.62% | +7.96% | 91st top |
| Leverage Ratio | 15.87% | 12.14% | +3.73% | 90th top |
| Equity / Assets | 15.36% | 11.37% | +3.99% | 89th top |
| TCE / Tangible Assets | 15.36% | 11.09% | +4.27% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.40% | 80.64% | -15.24% | 77th top |
| Core Deposit Ratio | 92.67% | 86.86% | +5.81% | 72nd above |
| Wholesale Funding Ratio | 2.07% | 5.03% | -2.96% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.22% | 6.85% | -4.63% | 34th below |
| Loan Growth (Y/Y) | -7.33% | 7.91% | -15.24% | 4th bottom |
| Deposit Growth (Y/Y) | 0.01% | 6.29% | -6.28% | 23rd bottom |
See Citizens First National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens First National 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 National Bank profile, how to read a UBPR, or how this data updates.