Citizens Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Savings Bank of Bogalusa, LA 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 | 1.18% | 1.34% | -0.16% | 43rd below |
| ROAE | 8.84% | 13.32% | -4.48% | 29th below |
| Net Interest Margin | 4.73% | 3.93% | +0.80% | 87th top |
| Efficiency Ratio | 69.78% | 61.14% | +8.64% | 28th below |
| PPNR / Avg Assets | 1.47% | 1.68% | -0.21% | 43rd below |
| Yield on Earning Assets | 6.68% | 5.67% | +1.01% | 91st top |
| Cost of Funds | 2.19% | 1.88% | +0.31% | 26th below |
| Net Interest Spread | 3.86% | 3.32% | +0.54% | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.54% | 0.94% | +2.60% | 4th bottom |
| NPA / Total Assets | 2.87% | 0.70% | +2.17% | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 33rd below |
| ACL / Total Loans | 2.65% | 1.28% | +1.37% | 97th top |
| ACL / NPLs (Coverage) | 74.98% | 1539.18% | -1464.20% | 20th bottom |
| Texas Ratio | 18.38% | 7.33% | +11.05% | 9th bottom |
| Provision / NCO | -18.64% | 1396.17% | -1414.81% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.33% | 12.14% | +2.19% | 83rd top |
| Equity / Assets | 13.62% | 11.37% | +2.25% | 82nd top |
| TCE / Tangible Assets | 13.62% | 11.09% | +2.53% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.31% | 80.63% | +9.68% | 27th below |
| Core Deposit Ratio | 85.91% | 86.86% | -0.95% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.91% | 6.85% | -3.94% | 39th below |
| Loan Growth (Y/Y) | 4.33% | 7.90% | -3.57% | 44th below |
| Deposit Growth (Y/Y) | 1.91% | 6.29% | -4.38% | 35th below |
See Citizens Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens 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 Savings Bank profile, how to read a UBPR, or how this data updates.