Citizens Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Federal Savings Bank of Leavenworth, KS against its peer group of 2603 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 | 0.16% | 1.35% | -1.19% | 6th bottom |
| ROAE | 0.87% | 13.33% | -12.46% | 5th bottom |
| Net Interest Margin | 2.94% | 3.93% | -0.99% | 9th bottom |
| Efficiency Ratio | 89.30% | 61.13% | +28.17% | 6th bottom |
| PPNR / Avg Assets | 0.32% | 1.68% | -1.36% | 6th bottom |
| Yield on Earning Assets | 4.26% | 5.67% | -1.41% | 5th bottom |
| Cost of Funds | 1.58% | 1.88% | -0.30% | 64th above |
| Net Interest Spread | 2.51% | 3.32% | -0.81% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.94% | -0.81% | 69th above |
| NPA / Total Assets | 0.10% | 0.70% | -0.60% | 70th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 37th below |
| ACL / Total Loans | 0.31% | 1.28% | -0.97% | 1st bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 228.57% | 1546.39% | -1317.82% | 52nd above |
| Texas Ratio | 0.54% | 7.34% | -6.80% | 79th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 175.00% | 1395.21% | -1220.21% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 20.08% | 12.14% | +7.94% | 96th top |
| Equity / Assets | 19.40% | 11.36% | +8.04% | 96th top |
| TCE / Tangible Assets | 19.40% | 11.08% | +8.32% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.42% | 80.66% | +9.76% | 28th below |
| Core Deposit Ratio | 84.84% | 86.85% | -2.01% | 30th below |
| Wholesale Funding Ratio | 1.32% | 5.04% | -3.72% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.87% | 6.84% | -4.97% | 32nd below |
| Loan Growth (Y/Y) | 0.48% | 7.92% | -7.44% | 24th bottom |
| Deposit Growth (Y/Y) | 6.78% | 6.29% | +0.49% | 69th above |
See Citizens Federal Savings Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Federal Savings 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 Citizens Federal Savings Bank profile, how to read a UBPR, or how this data updates.