Citizens National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens National Bank of Cameron, TX 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 | 1.62% | 1.35% | +0.27% | 70th above |
| ROAE | 13.18% | 12.05% | +1.13% | 55th above |
| Net Interest Margin | 3.81% | 3.90% | -0.09% | 43rd below |
| Efficiency Ratio | 47.75% | 63.15% | -15.40% | 85th top |
| PPNR / Avg Assets | 2.04% | 1.64% | +0.40% | 74th above |
| Yield on Earning Assets | 5.40% | 5.65% | -0.25% | 40th below |
| Cost of Funds | 1.78% | 1.85% | -0.07% | 51st above |
| Net Interest Spread | 3.11% | 3.35% | -0.24% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 74th above |
| ACL / Total Loans | 1.54% | 1.28% | +0.26% | 81st top |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.18% | 20.83% | -3.65% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.18% | 20.86% | -3.68% | 64th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.43% | 21.94% | -3.51% | 65th above |
| Leverage Ratio | 12.73% | 12.46% | +0.27% | 73rd above |
| Equity / Assets | 12.33% | 11.67% | +0.66% | 74th above |
| TCE / Tangible Assets | 12.33% | 11.40% | +0.93% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.93% | 78.65% | -8.72% | 70th above |
| Core Deposit Ratio | 90.66% | 87.09% | +3.57% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.14% | 6.47% | +3.67% | 83rd top |
| Loan Growth (Y/Y) | -1.33% | 7.64% | -8.97% | 18th bottom |
| Deposit Growth (Y/Y) | 9.82% | 6.02% | +3.80% | 82nd top |
See Citizens 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 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 National Bank profile, how to read a UBPR, or how this data updates.