Citizens Savings Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Savings Bank and Trust Company of Nashville, TN 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 | 0.04% | 1.35% | -1.31% | 5th bottom |
| ROAE | 0.39% | 13.33% | -12.94% | 5th bottom |
| Net Interest Margin | 3.56% | 3.93% | -0.37% | 30th below |
| Efficiency Ratio | 95.49% | 61.12% | +34.37% | 4th bottom |
| PPNR / Avg Assets | 0.17% | 1.68% | -1.51% | 4th bottom |
| Yield on Earning Assets | 6.16% | 5.67% | +0.49% | 76th top |
| Cost of Funds | 2.80% | 1.88% | +0.92% | 9th bottom |
| Net Interest Spread | 2.92% | 3.32% | -0.40% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.20% | 0.94% | +3.26% | 3rd bottom |
| NPA / Total Assets | 4.30% | 0.70% | +3.60% | 2nd bottom |
| NCO / Avg Loans | 0.47% | 0.16% | +0.31% | 6th bottom |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 32nd below |
| ACL / NPLs (Coverage) | 25.09% | 1546.42% | -1521.33% | 2nd bottom |
| Texas Ratio | 41.98% | 7.33% | +34.65% | 2nd bottom |
| Provision / NCO | 70.99% | 1395.23% | -1324.24% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.40% | 19.49% | -5.09% | 43rd below |
| Tier 1 Ratio | 14.40% | 19.52% | -5.12% | 42nd below |
| Total Capital Ratio | 15.65% | 20.61% | -4.96% | 44th below |
| Leverage Ratio | 9.56% | 12.14% | -2.58% | 23rd bottom |
| Equity / Assets | 9.35% | 11.37% | -2.02% | 33rd below |
| TCE / Tangible Assets | 9.35% | 11.08% | -1.73% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.41% | 80.66% | +21.75% | 9th bottom |
| Core Deposit Ratio | 82.69% | 86.85% | -4.16% | 23rd bottom |
| Wholesale Funding Ratio | 6.91% | 5.03% | +1.88% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.66% | 6.84% | -5.18% | 30th below |
| Loan Growth (Y/Y) | -0.51% | 7.92% | -8.43% | 21st bottom |
| Deposit Growth (Y/Y) | -5.96% | 6.29% | -12.25% | 5th bottom |
See Citizens Savings Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Savings Bank and Trust Company, 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 Savings Bank and Trust Company profile, how to read a UBPR, or how this data updates.