0.58%
+44.6%y/y
Peer standing8th percentile
FDIC
NETINC + ROACB
Citizens Bank & Trust
Guntersville, AlabamaFDIC Cert #57483
STATEEstablished 200310 branches
Holding company: CITIZENS B&T HOLDINGS INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
8.86%
+23.5%y/y
Peer standing23rd percentile
FDIC
NETINC + ROE0.62%
+15.2%y/y
Peer standing6th percentile
FDIC
PTAXNETINC + ASSET2.75%
+6.3%y/y
Peer standing5th percentile
FDIC
NIM + NIMY4.81%
+3.9%y/y
Peer standing10th percentile
FDIC
INTINCY2.49%
−1.2%y/y
Peer standing57th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
79.64%
−2.9%y/y
Peer standing7th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.43%
+3.5%y/y
Peer standing53rd percentile
FDIC
NONIX + ASSET17.55%
+0.7%y/y
Percentile by value68th percentileby value
FDIC
NONII + NIM+5.59%
+30,753.3%y/y
Percentile by value51st percentileby value
FDIC
ASSET+6.75%
−45.0%y/y
Percentile by value59th percentileby value
FDIC
DEP+1.33%
−29.5%y/y
Percentile by value21st percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.58%8th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.65%Median 1.24%90th 2.04%Observations 525
ROE
FDIC
NETINC + ROE8.86%22nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.55%Median 12.35%90th 20.15%Observations 525
NIM
FDIC
NIM + NIMY2.75%5th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.96%Median 3.74%90th 4.63%Observations 525
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR79.64%7th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.09%Median 59.83%90th 76.32%Observations 525
Deposits YoY
FDIC
DEP+6.75%59th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.14%Median +5.35%90th +19.38%Observations 524
Loans YoY
FDIC
LNLSNET+1.33%21st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.07%Median +6.46%90th +18.14%Observations 522
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.17%23rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.95%Observations 523
Leverage
FDIC
RBC1AAJ9.25%20th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.84%Median 10.43%90th 13.44%Observations 525
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.49%57th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.74%Median 2.62%90th 3.59%Observations 524
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC154%21st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 104%Median 233%90th 354%Observations 398
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.58%19th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.31%Median 1.09%90th 1.86%Observations 91
ROE
FDIC
NETINC + ROE8.86%34th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.77%Median 10.62%90th 18.54%Observations 91
NIM
FDIC
NIM + NIMY2.75%3rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.14%Median 3.78%90th 4.94%Observations 91
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR79.64%12th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.62%Median 64.51%90th 81.32%Observations 91
Deposits YoY
FDIC
DEP+6.75%67th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.67%Median +3.54%90th +12.83%Observations 90
Loans YoY
FDIC
LNLSNET+1.33%28th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.16%Median +5.16%90th +17.64%Observations 90
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.17%33rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.52%90th 2.93%Observations 91
Leverage
FDIC
RBC1AAJ9.25%13th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.19%Median 11.18%90th 17.60%Observations 91
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.49%40th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.57%Median 2.34%90th 3.17%Observations 91
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC154%46th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 46%Median 173%90th 274%Observations 36
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.