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 Sevierville, TN against its peer group of 931 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 | 2.07% | 1.46% | +0.61% | 89th top |
| ROAE | 21.36% | 12.71% | +8.65% | 92nd top |
| Net Interest Margin | 3.51% | 3.85% | -0.34% | 36th below |
| Efficiency Ratio | 41.81% | 57.42% | -15.61% | 90th top |
| PPNR / Avg Assets | 2.24% | 1.88% | +0.36% | 80th top |
| Yield on Earning Assets | 5.26% | 5.72% | -0.46% | 33rd below |
| Cost of Funds | 1.92% | 2.02% | -0.10% | 56th above |
| Net Interest Spread | 2.89% | 3.18% | -0.29% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 1.00% | -0.99% | 96th top |
| NPA / Total Assets | 0.01% | 0.76% | -0.75% | 95th top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 66th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.31% | -0.09% | 62nd above |
| ACL / NPLs (Coverage) | 10493.55% | 535.63% | +9957.92% | — |
| Texas Ratio | 0.36% | 7.39% | -7.03% | 93rd top |
| Provision / NCO | 3000.00% | 616.47% | +2383.53% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.08% | 17.34% | -2.26% | 71st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.08% | 17.37% | -2.29% | 70th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.27% | 18.42% | -2.15% | 71st above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.17% | 11.44% | -0.27% | 63rd above |
| Equity / Assets | 9.81% | 11.34% | -1.53% | 39th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.81% | 10.50% | -0.69% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.43% | 86.96% | -10.53% | 76th top |
| Core Deposit Ratio | 89.08% | 85.55% | +3.53% | 54th above |
| Uninsured Deposit Ratio | 38.77% | 33.12% | +5.65% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.44% | 9.69% | -6.25% | 38th below |
| Loan Growth (Y/Y) | 4.34% | 8.06% | -3.72% | 42nd below |
| Deposit Growth (Y/Y) | 2.43% | 7.87% | -5.44% | 33rd below |
See Citizens National Bank's peers by name
The 931 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.