Central State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central State Bank of Clayton, IL against its peer group of 2672 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 | 2.44% | 1.34% | +1.10% | 94th top |
| ROAE | 13.93% | 13.31% | +0.62% | 60th above |
| Net Interest Margin | 4.18% | 3.93% | +0.25% | 63rd above |
| Efficiency Ratio | 49.94% | 61.14% | -11.20% | 81st top |
| PPNR / Avg Assets | 2.44% | 1.68% | +0.76% | 88th top |
| Yield on Earning Assets | 5.96% | 5.67% | +0.29% | 67th above |
| Cost of Funds | 2.15% | 1.88% | +0.27% | 29th below |
| Net Interest Spread | 3.39% | 3.32% | +0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.07% | 0.94% | +2.13% | 6th bottom |
| NPA / Total Assets | 2.15% | 0.70% | +1.45% | 7th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 1.82% | 1.28% | +0.54% | 90th top |
| ACL / NPLs (Coverage) | 59.16% | 1538.95% | -1479.79% | 14th bottom |
| Texas Ratio | 11.29% | 7.33% | +3.96% | 19th bottom |
| Provision / NCO | 18.18% | 1395.84% | -1377.66% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.92% | 12.14% | +5.78% | 94th top |
| Equity / Assets | 17.85% | 11.37% | +6.48% | 94th top |
| TCE / Tangible Assets | 17.85% | 11.09% | +6.76% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.37% | 80.64% | -0.27% | 50th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.54% | 86.86% | +1.68% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.48% | 6.85% | -9.33% | 9th bottom |
| Loan Growth (Y/Y) | -13.31% | 7.91% | -21.22% | 1st bottom |
| Deposit Growth (Y/Y) | -4.16% | 6.29% | -10.45% | 8th bottom |
See Central State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central State 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 Central State Bank profile, how to read a UBPR, or how this data updates.