The Citizens National Bank of McConnelsville: 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 McConnelsville of McConnelsville, OH 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 | 0.99% | 1.34% | -0.35% | 33rd below |
| ROAE | 9.15% | 13.31% | -4.16% | 31st below |
| Net Interest Margin | 4.48% | 3.93% | +0.55% | 78th top |
| Efficiency Ratio | 72.01% | 61.14% | +10.87% | 24th bottom |
| PPNR / Avg Assets | 1.26% | 1.68% | -0.42% | 32nd below |
| Yield on Earning Assets | 5.98% | 5.67% | +0.31% | 68th above |
| Cost of Funds | 1.64% | 1.88% | -0.24% | 60th above |
| Net Interest Spread | 3.93% | 3.32% | +0.61% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.38% | 0.94% | +0.44% | 20th bottom |
| NPA / Total Assets | 0.98% | 0.70% | +0.28% | 21st bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 34th below |
| ACL / NPLs (Coverage) | 77.35% | 1538.83% | -1461.48% | 20th bottom |
| Texas Ratio | 9.75% | 7.33% | +2.42% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.24% | 12.14% | +0.10% | 67th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.28% | 11.37% | -0.09% | 63rd above |
| TCE / Tangible Assets | 11.28% | 11.09% | +0.19% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.72% | 80.64% | +4.08% | 41st below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.36% | 86.86% | +1.50% | 46th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.44% | 5.03% | -0.59% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -8.24% | 6.85% | -15.09% | 2nd bottom |
| Loan Growth (Y/Y) | -5.02% | 7.90% | -12.92% | 8th bottom |
| Deposit Growth (Y/Y) | -7.98% | 6.29% | -14.27% | 3rd bottom |
See The Citizens National Bank of McConnelsville's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens National Bank of McConnelsville, 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 McConnelsville profile, how to read a UBPR, or how this data updates.