Chillicothe State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Chillicothe State Bank of Chillicothe, MO 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 | 1.22% | 1.34% | -0.12% | 47th below |
| ROAE | 14.64% | 13.31% | +1.33% | 64th above |
| Net Interest Margin | 4.01% | 3.93% | +0.08% | 54th above |
| Efficiency Ratio | 63.33% | 61.14% | +2.19% | 44th below |
| PPNR / Avg Assets | 1.56% | 1.68% | -0.12% | 48th below |
| Yield on Earning Assets | 4.86% | 5.67% | -0.81% | 18th bottom |
| Cost of Funds | 0.91% | 1.88% | -0.97% | 93rd top |
| Net Interest Spread | 3.58% | 3.32% | +0.26% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 0.94% | -0.16% | 34th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.44% | 0.70% | -0.26% | 41st below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 83rd top |
| ACL / Total Loans | 1.57% | 1.28% | +0.29% | 82nd top |
| ACL / NPLs (Coverage) | 200.17% | 1538.86% | -1338.69% | 48th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.63% | 7.33% | -2.70% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.10% | 19.50% | -2.40% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.10% | 19.54% | -2.44% | 64th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.36% | 20.62% | -2.26% | 65th above |
| Leverage Ratio | 7.89% | 12.14% | -4.25% | 2nd bottom |
| Equity / Assets | 8.58% | 11.37% | -2.79% | 21st bottom |
| TCE / Tangible Assets | 8.58% | 11.09% | -2.51% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.55% | 80.64% | -19.09% | 81st top |
| Core Deposit Ratio | 99.71% | 86.86% | +12.85% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.01% | 6.85% | -5.84% | 26th below |
| Loan Growth (Y/Y) | 3.17% | 7.90% | -4.73% | 37th below |
| Deposit Growth (Y/Y) | 1.14% | 6.29% | -5.15% | 30th below |
See Chillicothe State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Chillicothe 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 Chillicothe State Bank profile, how to read a UBPR, or how this data updates.