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 Crockett, TX against its peer group of 2672 similarly-sized US banks as of Q3 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 | 0.68% | 1.25% | -0.57% | 5th bottom |
| ROAE | 6.55% | 13.24% | -6.69% | 8th bottom |
| Net Interest Margin | 3.86% | 3.95% | -0.09% | 39th below |
| Efficiency Ratio | 83.18% | 61.22% | +21.96% | 2nd bottom |
| PPNR / Avg Assets | 0.68% | — | — | 3rd bottom |
| Yield on Earning Assets | 4.46% | 5.68% | -1.22% | 8th bottom |
| Cost of Funds | 0.65% | 1.88% | -1.23% | 95th top |
| Net Interest Spread | 3.33% | — | — | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 92nd top |
| NPA / Total Assets | 0.00% | — | — | 93rd top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 58th above |
| ACL / Total Loans | 1.54% | — | — | 70th above |
| Texas Ratio | 0.00% | 7.40% | -7.40% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.14% | 11.73% | +0.41% | 57th above |
| Equity / Assets | 9.39% | 10.96% | -1.57% | 33rd below |
| TCE / Tangible Assets | 9.39% | — | — | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 35.35% | 80.60% | -45.25% | 93rd top |
| Core Deposit Ratio | 99.10% | 86.92% | +12.18% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.82% | — | — | 98th top |
| Loan Growth (Y/Y) | 21.97% | — | — | 93rd top |
| Deposit Growth (Y/Y) | 24.23% | — | — | 98th 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.