Cfsbank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cfsbank of Charleroi, PA 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 | 0.27% | 1.25% | -0.98% | 7th bottom |
| ROAE | 2.76% | 13.17% | -10.41% | 7th bottom |
| Net Interest Margin | 2.19% | 3.95% | -1.76% | 1st bottom |
| Efficiency Ratio | 87.77% | 61.50% | +26.27% | 6th bottom |
| PPNR / Avg Assets | 0.35% | — | — | 5th bottom |
| Yield on Earning Assets | 4.37% | 5.67% | -1.30% | 6th bottom |
| Cost of Funds | 2.26% | 1.87% | +0.39% | 22nd bottom |
| Net Interest Spread | 1.71% | — | — | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.93% | -0.69% | 61st above |
| NPA / Total Assets | 0.15% | — | — | 64th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 47th below |
| ACL / Total Loans | 0.46% | — | — | 2nd bottom |
| ACL / NPLs (Coverage) | 192.58% | — | — | 47th below |
| Texas Ratio | 1.53% | 6.06% | -4.53% | 63rd above |
| Provision / NCO | 62.50% | — | — | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.55% | 17.18% | +2.37% | 76th top |
| Tier 1 Ratio | 19.55% | 17.21% | +2.34% | 76th top |
| Total Capital Ratio | 20.10% | — | — | 74th above |
| Leverage Ratio | 10.96% | 11.75% | -0.79% | 49th below |
| Equity / Assets | 9.75% | 10.98% | -1.23% | 39th below |
| TCE / Tangible Assets | 9.73% | — | — | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.43% | 80.44% | -3.01% | 57th above |
| Core Deposit Ratio | 70.39% | 86.95% | -16.56% | 5th bottom |
| Wholesale Funding Ratio | 6.72% | — | — | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.54% | — | — | 3rd bottom |
| Loan Growth (Y/Y) | 10.15% | — | — | 73rd above |
| Deposit Growth (Y/Y) | -10.47% | — | — | 2nd bottom |
See Cfsbank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cfsbank, 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 Cfsbank 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 Cfsbank peer analysis.