Citizens Tri-County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Tri-County Bank of Dunlap, TN against its peer group of 931 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 | 1.85% | 1.46% | +0.39% | 82nd top |
| ROAE | 21.32% | 12.71% | +8.61% | 92nd top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.80% | 3.85% | -0.05% | 56th above |
| Efficiency Ratio | 53.55% | 57.41% | -3.86% | 64th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.85% | 1.88% | -0.03% | 60th above |
| Yield on Earning Assets | 6.00% | 5.72% | +0.28% | 76th top |
| Cost of Funds | 2.35% | 2.02% | +0.33% | 27th below |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.10% | 3.18% | -0.08% | 52nd 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. | 0.74% | 1.00% | -0.26% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.68% | 0.76% | -0.08% | 38th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.43% | -0.32% | 28th below |
| ACL / Total Loans | 1.61% | 1.31% | +0.30% | 90th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 217.86% | 543.56% | -325.70% | 58th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.96% | 7.39% | -0.43% | 35th below |
| Provision / NCO | 17.49% | 619.05% | -601.56% | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.34% | 11.44% | -2.10% | 19th bottom |
| Equity / Assets | 9.05% | 11.34% | -2.29% | 22nd bottom |
| TCE / Tangible Assets | 8.77% | 10.50% | -1.73% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.75% | 86.96% | -14.21% | 82nd top |
| Core Deposit Ratio | 90.59% | 85.55% | +5.04% | 61st above |
| Uninsured Deposit Ratio | 27.32% | 33.13% | -5.81% | 63rd above |
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. | 5.77% | 9.68% | -3.91% | 54th above |
| Loan Growth (Y/Y) | 9.80% | 8.05% | +1.75% | 73rd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.94% | 7.87% | -2.93% | 51st above |
See Citizens Tri-County Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Tri-County Bank, 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 Tri-County Bank profile, how to read a UBPR, or how this data updates.