Hyden Citizens Bank, Inc: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hyden Citizens Bank, Inc of Hyden, KY 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 | 2.04% | 1.34% | +0.70% | 86th top |
| ROAE | 32.29% | 13.32% | +18.97% | 98th top |
| Net Interest Margin | 4.09% | 3.93% | +0.16% | 58th above |
| Efficiency Ratio | 60.33% | 61.13% | -0.80% | 53rd above |
| PPNR / Avg Assets | 2.04% | 1.68% | +0.36% | 74th above |
| Yield on Earning Assets | 5.25% | 5.67% | -0.42% | 33rd below |
| Cost of Funds | 1.21% | 1.88% | -0.67% | 84th top |
| Net Interest Spread | 3.57% | 3.32% | +0.25% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.94% | -0.69% | 61st above |
| NPA / Total Assets | 0.14% | 0.70% | -0.56% | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 28th below |
| ACL / Total Loans | 0.96% | 1.28% | -0.32% | 21st bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 385.78% | 1546.30% | -1160.52% | 66th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.15% | 7.34% | -3.19% | 46th below |
| Provision / NCO | 0.00% | 1395.17% | -1395.17% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.58% | 19.49% | -5.91% | 34th below |
| Tier 1 Ratio | 13.58% | 19.52% | -5.94% | 34th below |
| Total Capital Ratio | 14.35% | 20.61% | -6.26% | 30th below |
| Leverage Ratio | 9.18% | 12.14% | -2.96% | 15th bottom |
| Equity / Assets | 6.67% | 11.37% | -4.70% | 5th bottom |
| TCE / Tangible Assets | 6.67% | 11.08% | -4.41% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.80% | 80.66% | -19.86% | 82nd top |
| Core Deposit Ratio | 95.12% | 86.85% | +8.27% | 84th top |
| Wholesale Funding Ratio | 1.69% | 5.04% | -3.35% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.33% | 6.84% | -3.51% | 42nd below |
| Loan Growth (Y/Y) | 2.08% | 7.92% | -5.84% | 31st below |
| Deposit Growth (Y/Y) | 1.89% | 6.29% | -4.40% | 35th below |
See Hyden Citizens Bank, Inc's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hyden Citizens Bank, Inc, 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 Hyden Citizens Bank, Inc profile, how to read a UBPR, or how this data updates.