Citizens Trust Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Trust Bank of Atlanta, GA against its peer group of 2757 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 | 1.61% | 1.25% | +0.36% | 69th above |
| ROAE | 12.80% | 12.22% | +0.58% | 52nd above |
| Net Interest Margin | 4.22% | 3.95% | +0.27% | 65th above |
| Efficiency Ratio | 52.53% | 63.71% | -11.18% | 75th top |
| PPNR / Avg Assets | 2.20% | — | — | 79th top |
| Yield on Earning Assets | 5.11% | 5.67% | -0.56% | 27th below |
| Cost of Funds | 1.01% | 1.87% | -0.86% | 91st top |
| Net Interest Spread | 3.40% | — | — | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.63% | 0.88% | +0.75% | 17th bottom |
| NPA / Total Assets | 0.90% | — | — | 23rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 32nd below |
| ACL / Total Loans | 1.26% | — | — | 57th above |
| ACL / NPLs (Coverage) | 77.24% | — | — | 19th bottom |
| Texas Ratio | 6.71% | 5.96% | +0.75% | 27th below |
| Provision / NCO | 879.17% | — | — | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.73% | 17.18% | +5.55% | 84th top |
| Tier 1 Ratio | 22.73% | 17.21% | +5.52% | 84th top |
| Total Capital Ratio | 23.87% | — | — | 84th top |
| Leverage Ratio | 13.24% | 11.75% | +1.49% | 77th top |
| Equity / Assets | 12.49% | 10.98% | +1.51% | 75th top |
| TCE / Tangible Assets | 12.45% | — | — | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.49% | 80.44% | -22.95% | 86th top |
| Core Deposit Ratio | 98.29% | 86.95% | +11.34% | 96th top |
| Wholesale Funding Ratio | 0.07% | — | — | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.60% | — | — | 29th below |
| Loan Growth (Y/Y) | -1.96% | — | — | 15th bottom |
| Deposit Growth (Y/Y) | -0.13% | — | — | 22nd bottom |
See Citizens Trust Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Trust 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 Trust Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Citizens Trust Bank peer analysis.