Citizens National Bank at Brownwood: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens National Bank at Brownwood of Brownwood, 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 | 1.57% | 1.35% | +0.22% | 67th above |
| ROAE | 16.22% | 12.05% | +4.17% | 72nd above |
| Net Interest Margin | 3.54% | 3.90% | -0.36% | 29th below |
| Efficiency Ratio | 58.64% | 63.15% | -4.51% | 58th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.60% | 1.64% | -0.04% | 51st above |
| Yield on Earning Assets | 4.58% | 5.65% | -1.07% | 10th bottom |
| Cost of Funds | 1.11% | 1.85% | -0.74% | 88th top |
| Net Interest Spread | 2.85% | 3.35% | -0.50% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.54% | 0.92% | -0.38% | 43rd below |
| NPA / Total Assets | 0.27% | 0.67% | -0.40% | 53rd above |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 90th top |
| ACL / Total Loans | 1.73% | 1.28% | +0.45% | 88th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 319.87% | 1645.70% | -1325.83% | 61st above |
| Texas Ratio | 3.49% | 7.15% | -3.66% | 50th above |
| Provision / NCO | 141.18% | 1189.84% | -1048.66% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.47% | 12.46% | -1.99% | 41st below |
| Equity / Assets | 9.49% | 11.67% | -2.18% | 36th below |
| TCE / Tangible Assets | 9.49% | 11.40% | -1.91% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 40.60% | 78.66% | -38.06% | 96th top |
| Core Deposit Ratio | 91.42% | 87.09% | +4.33% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.33% | 6.47% | -2.14% | 49th below |
| Loan Growth (Y/Y) | -1.85% | 7.64% | -9.49% | 16th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.21% | 6.02% | -1.81% | 52nd above |
See Citizens National Bank at Brownwood'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 at Brownwood, 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 at Brownwood profile, how to read a UBPR, or how this data updates.