The Citizens National Bank of Woodsfield: 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 Woodsfield of Woodsfield, 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 | 1.15% | 1.34% | -0.19% | 42nd below |
| ROAE | 15.46% | 13.31% | +2.15% | 68th above |
| Net Interest Margin | 3.57% | 3.93% | -0.36% | 30th below |
| Efficiency Ratio | 59.68% | 61.14% | -1.46% | 55th above |
| PPNR / Avg Assets | 1.41% | 1.68% | -0.27% | 39th below |
| Yield on Earning Assets | 3.73% | 5.67% | -1.94% | 1st bottom |
| Cost of Funds | 0.17% | 1.88% | -1.71% | 99th top |
| Net Interest Spread | 3.42% | 3.32% | +0.10% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans | 0.64% | 1.28% | -0.64% | 5th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.13% | 7.33% | -3.20% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.30% | 19.50% | +3.80% | 85th top |
| Tier 1 Ratio | 23.30% | 19.53% | +3.77% | 85th top |
| Total Capital Ratio | 23.98% | 20.62% | +3.36% | 85th top |
| Leverage Ratio | 8.88% | 12.14% | -3.26% | 11th bottom |
| Equity / Assets | 7.62% | 11.37% | -3.75% | 10th bottom |
| TCE / Tangible Assets | 7.62% | 11.09% | -3.47% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 44.85% | 80.64% | -35.79% | 94th top |
| Core Deposit Ratio | 98.67% | 86.86% | +11.81% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.08% | 6.85% | -1.77% | 55th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.67% | 7.90% | -1.23% | 58th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.21% | 6.29% | -2.08% | 51st above |
See The Citizens National Bank of Woodsfield'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 Woodsfield, 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 Woodsfield profile, how to read a UBPR, or how this data updates.