The Citizens National Bank of Quitman: 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 Quitman of Quitman, GA against its peer group of 2603 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 | 1.63% | 1.34% | +0.29% | 70th above |
| ROAE | 15.55% | 13.31% | +2.24% | 69th above |
| Net Interest Margin | 4.38% | 3.93% | +0.45% | 74th above |
| Efficiency Ratio | 51.37% | 61.14% | -9.77% | 78th top |
| PPNR / Avg Assets | 2.14% | 1.68% | +0.46% | 78th top |
| Yield on Earning Assets | 5.93% | 5.67% | +0.26% | 65th above |
| Cost of Funds | 1.60% | 1.88% | -0.28% | 63rd above |
| Net Interest Spread | 3.55% | 3.32% | +0.23% | 62nd 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. | 0.60% | 0.94% | -0.34% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.37% | 0.70% | -0.33% | 46th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 24th bottom |
| ACL / Total Loans | 1.65% | 1.28% | +0.37% | 86th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 273.85% | 1538.85% | -1265.00% | 57th above |
| Texas Ratio | 3.19% | 7.33% | -4.14% | 52nd above |
| Provision / NCO | 142.86% | 1395.74% | -1252.88% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.94% | 19.50% | -1.56% | 69th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.94% | 19.54% | -1.60% | 68th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.20% | 20.62% | -1.42% | 69th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.56% | 12.14% | -0.58% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.72% | 11.37% | -0.65% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.72% | 11.09% | -0.37% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.69% | 80.64% | -10.95% | 71st above |
| Core Deposit Ratio | 83.35% | 86.86% | -3.51% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.57% | 6.85% | -5.28% | 30th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.30% | 7.90% | -0.60% | 62nd above |
| Deposit Growth (Y/Y) | 2.13% | 6.29% | -4.16% | 36th below |
See The Citizens National Bank of Quitman's peers by name
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Unlock The Citizens National Bank of Quitman, 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 Quitman profile, how to read a UBPR, or how this data updates.