Citizens Bank & Trust
Guntersville, AL · Cert 57483 · Peer group: banks $1B-$10B in assets (n=322-328) · Citizens B&T Holdings Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$1.2BAssets
$623.9MLoans
$1.1BDeposits
$75.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 89% of banks $1B-$10B in assets (rank 37 of 322).
- Widest gap: equity / assets trails 99% of banks $1B-$10B in assets (rank 326 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.58%
Rank 301 of 328
Net Interest Margin
2.48%
Rank 313 of 328
Efficiency Ratio
78.11%
Rank 305 of 328
Equity / Assets
6.30%
Rank 326 of 328
Non-interest income vs. expense
Unfavorable gap of $21.4M · efficiency ratio beats 7% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.91% | 1.22% | 1.52% | Beats 8% | 301 / 328 | |
| Return on Equity | 9.17% | 8.43% | 11.45% | 14.43% | Beats 30% | 229 / 328 | |
| Net Interest Margin | 2.48% | 3.03% | 3.45% | 3.83% | Beats 5% | 313 / 328 | |
| Efficiency Ratio | 78.11% | 51.61% | 59.56% | 67.53% | Beats 7% | 305 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.24% | 0.51% | 1.03% | Beats 89% | 37 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 65% | 114 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 14.67% | 11.75% | 13.15% | 15.47% | Beats 68% | 105 / 328 | |
| Total Risk-Based Capital Ratio | 15.64% | 12.63% | 14.15% | 16.46% | Beats 70% | 100 / 328 | |
| Equity / Assets | 6.30% | 9.15% | 10.33% | 12.01% | Beats 1% | 326 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 56.58% | 76.63% | 87.92% | 95.36% | 6th pctl | 305 / 323 | |
| Loans / Assets | 51.95% | 65.18% | 74.15% | 79.98% | 9th pctl | 298 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |