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 State Center, IA 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 | 0.86% | 1.25% | -0.39% | 25th below |
| ROAE | 9.04% | 12.22% | -3.18% | 29th below |
| Net Interest Margin | 2.28% | 3.95% | -1.67% | 1st bottom |
| Efficiency Ratio | 58.42% | 63.71% | -5.29% | 58th above |
| PPNR / Avg Assets | 0.90% | — | — | 16th bottom |
| Yield on Earning Assets | 5.46% | 5.67% | -0.21% | 43rd below |
| Cost of Funds | 3.56% | 1.87% | +1.69% | 1st bottom |
| Net Interest Spread | 1.74% | — | — | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.42% | 0.88% | +0.54% | 19th bottom |
| NPA / Total Assets | 1.13% | — | — | 17th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 50th above |
| ACL / Total Loans | 1.02% | — | — | 28th below |
| ACL / NPLs (Coverage) | 71.78% | — | — | 18th bottom |
| Texas Ratio | 10.78% | 5.96% | +4.82% | 16th bottom |
| Provision / NCO | -100.00% | — | — | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.43% | 11.75% | -1.32% | 39th below |
| Equity / Assets | 9.71% | 10.98% | -1.27% | 39th below |
| TCE / Tangible Assets | 9.71% | — | — | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.69% | 80.44% | +15.25% | 17th bottom |
| Core Deposit Ratio | 71.96% | 86.95% | -14.99% | 6th bottom |
| Wholesale Funding Ratio | 5.96% | — | — | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.81% | — | — | 37th below |
| Loan Growth (Y/Y) | 5.33% | — | — | 49th below |
| Deposit Growth (Y/Y) | 2.70% | — | — | 40th below |
See Central State Bank's peers by name
The 2757 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Central State Bank peer analysis.