The Citizens National Bank of Bluffton: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens National Bank of Bluffton of Bluffton, OH against its peer group of 927 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 | 2.48% | 1.46% | +1.02% | 96th top |
| ROAE | 25.72% | 12.69% | +13.03% | 96th top |
| Net Interest Margin | 4.39% | 3.85% | +0.54% | 85th top |
| Efficiency Ratio | 49.03% | 57.40% | -8.37% | 77th top |
| PPNR / Avg Assets | 2.50% | 1.88% | +0.62% | 88th top |
| Yield on Earning Assets | 5.90% | 5.72% | +0.18% | 71st above |
| Cost of Funds | 1.41% | 2.02% | -0.61% | 83rd top |
| Net Interest Spread | 3.74% | 3.18% | +0.56% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.71% | 1.00% | -0.29% | 45th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.57% | 0.76% | -0.19% | 44th below |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 87th top |
| ACL / Total Loans | 1.50% | 1.31% | +0.19% | 86th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 212.35% | 564.51% | -352.16% | 57th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.26% | 7.39% | -2.13% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.02% | 11.44% | -0.42% | 61st above |
| Equity / Assets | 9.57% | 11.34% | -1.77% | 33rd below |
| TCE / Tangible Assets | 9.57% | 10.50% | -0.93% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.21% | 86.95% | +15.26% | 13th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.08% | 85.55% | +2.53% | 47th below |
| Uninsured Deposit Ratio | 42.93% | 33.12% | +9.81% | 20th bottom |
| Wholesale Funding Ratio | 11.72% | 5.70% | +6.02% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.60% | 9.68% | -6.08% | 39th below |
| Loan Growth (Y/Y) | 2.87% | 8.06% | -5.19% | 34th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.17% | 7.88% | -0.71% | 63rd above |
See The Citizens National Bank of Bluffton's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens National Bank of Bluffton, 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 The Citizens National Bank of Bluffton profile, how to read a UBPR, or how this data updates.