Citizens National Bank of Crosbyton: 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 Crosbyton of Crosbyton, TX against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 2.02% | 3.14% | -1.12% | 83rd top |
| ROAE | 12.07% | 10.41% | +1.66% | 68th above |
| Net Interest Margin | 3.69% | 3.93% | -0.24% | 40th below |
| Efficiency Ratio | 39.18% | 76.38% | -37.20% | 96th top |
| PPNR / Avg Assets | 2.28% | 1.40% | +0.88% | 87th top |
| Yield on Earning Assets | 5.37% | 5.35% | +0.02% | 56th above |
| Cost of Funds | 1.97% | 1.70% | +0.27% | 30th below |
| Net Interest Spread | 2.72% | 3.31% | -0.59% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.06% | 1.49% | -0.43% | 35th below |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 16.81% | 17.61% | -0.80% | 73rd above |
| Equity / Assets | 16.86% | 16.42% | +0.44% | 73rd above |
| TCE / Tangible Assets | 16.86% | 16.17% | +0.69% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 44.05% | 72.89% | -28.84% | 79th top |
| Core Deposit Ratio | 74.52% | 88.24% | -13.72% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.88% | 4.30% | +1.58% | 68th above |
| Loan Growth (Y/Y) | 37.95% | 6.65% | +31.30% | 96th top |
| Deposit Growth (Y/Y) | 5.94% | 3.77% | +2.17% | 69th above |
See Citizens National Bank of Crosbyton's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens National Bank of Crosbyton, 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 Crosbyton profile, how to read a UBPR, or how this data updates.