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 Marshalltown, IA against its peer group of 506 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 | 0.74% | 3.13% | -2.39% | 36th below |
| ROAE | 7.52% | 10.31% | -2.79% | 45th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.91% | 3.94% | -0.03% | 52nd above |
| Efficiency Ratio | 76.67% | 76.31% | +0.36% | 38th below |
| PPNR / Avg Assets | 0.83% | 1.40% | -0.57% | 32nd below |
| Yield on Earning Assets | 5.05% | 5.35% | -0.30% | 43rd below |
| Cost of Funds | 1.34% | 1.70% | -0.36% | 62nd above |
| Net Interest Spread | 3.16% | 3.32% | -0.16% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 0.94% | 1.49% | -0.55% | 24th bottom |
| Texas Ratio | 0.00% | 8.28% | -8.28% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.90% | 17.66% | -7.76% | 17th bottom |
| Equity / Assets | 10.24% | 16.46% | -6.22% | 29th below |
| TCE / Tangible Assets | 10.24% | 16.20% | -5.96% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.12% | 72.83% | +4.29% | 35th below |
| Core Deposit Ratio | 95.77% | 88.26% | +7.51% | 75th top |
| Wholesale Funding Ratio | 6.43% | 5.17% | +1.26% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.86% | 4.27% | -5.13% | 27th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.84% | 6.76% | -3.92% | 52nd above |
| Deposit Growth (Y/Y) | -1.93% | 3.74% | -5.67% | 24th bottom |
See Citizens Savings Bank's peers by name
The 506 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.