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 Coralville, 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 | 2.12% | 1.25% | +0.87% | 88th top |
| ROAE | 21.50% | 12.22% | +9.28% | 91st top |
| Net Interest Margin | 3.32% | 3.95% | -0.63% | 20th bottom |
| Efficiency Ratio | 49.14% | 63.71% | -14.57% | 82nd top |
| PPNR / Avg Assets | 1.71% | — | — | 56th above |
| Yield on Earning Assets | 5.17% | 5.67% | -0.50% | 29th below |
| Cost of Funds | 1.74% | 1.87% | -0.13% | 54th above |
| Net Interest Spread | 2.78% | — | — | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.88% | -0.86% | 84th top |
| NPA / Total Assets | 0.01% | — | — | 85th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.34% | — | — | 66th above |
| ACL / NPLs (Coverage) | 7685.97% | — | — | — |
| Texas Ratio | 0.14% | 5.96% | -5.82% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.42% | 17.18% | -2.76% | 43rd below |
| Tier 1 Ratio | 14.42% | 17.21% | -2.79% | 43rd below |
| Total Capital Ratio | 15.68% | — | — | 44th below |
| Leverage Ratio | 10.27% | 11.75% | -1.48% | 37th below |
| Equity / Assets | 9.88% | 10.98% | -1.10% | 42nd below |
| TCE / Tangible Assets | 8.79% | — | — | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.22% | 80.44% | +14.78% | 18th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.64% | 86.95% | +0.69% | 42nd below |
| Wholesale Funding Ratio | 7.62% | — | — | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.49% | — | — | 2nd bottom |
| Loan Growth (Y/Y) | -10.10% | — | — | 2nd bottom |
| Deposit Growth (Y/Y) | -6.41% | — | — | 5th bottom |
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.