Citizens National Bank of Albion: 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 Albion of Albion, IL 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 | 1.54% | 1.34% | +0.20% | 65th above |
| ROAE | 9.05% | 13.32% | -4.27% | 31st below |
| Net Interest Margin | 4.02% | 3.93% | +0.09% | 54th above |
| Efficiency Ratio | 48.60% | 61.14% | -12.54% | 83rd top |
| PPNR / Avg Assets | 2.07% | 1.68% | +0.39% | 75th top |
| Yield on Earning Assets | 5.39% | 5.67% | -0.28% | 40th below |
| Cost of Funds | 1.57% | 1.88% | -0.31% | 65th above |
| Net Interest Spread | 3.44% | 3.32% | +0.12% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.57% | 0.94% | -0.37% | 42nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.37% | 0.70% | -0.33% | 46th below |
| NCO / Avg Loans | 0.23% | 0.16% | +0.07% | 11th bottom |
| ACL / Total Loans | 1.41% | 1.28% | +0.13% | 72nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 249.26% | 1539.15% | -1289.89% | 54th above |
| Texas Ratio | 2.17% | 7.33% | -5.16% | 61st above |
| Provision / NCO | 55.21% | 1396.18% | -1340.97% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.45% | 19.50% | +5.95% | 89th top |
| Tier 1 Ratio | 25.45% | 19.53% | +5.92% | 89th top |
| Total Capital Ratio | 26.70% | 20.62% | +6.08% | 89th top |
| Leverage Ratio | 17.35% | 12.14% | +5.21% | 93rd top |
| Equity / Assets | 17.34% | 11.37% | +5.97% | 94th top |
| TCE / Tangible Assets | 17.21% | 11.09% | +6.12% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.67% | 80.64% | -0.97% | 52nd above |
| Core Deposit Ratio | 90.05% | 86.86% | +3.19% | 55th above |
| Wholesale Funding Ratio | 0.86% | 5.04% | -4.18% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.46% | 6.85% | -6.39% | 22nd bottom |
| Loan Growth (Y/Y) | 0.14% | 7.91% | -7.77% | 23rd bottom |
| Deposit Growth (Y/Y) | -0.61% | 6.29% | -6.90% | 20th bottom |
See Citizens National Bank of Albion'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 of Albion, 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 of Albion profile, how to read a UBPR, or how this data updates.