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 Spillville, IA 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 | 0.60% | 1.34% | -0.74% | 16th bottom |
| ROAE | 6.15% | 13.32% | -7.17% | 18th bottom |
| Net Interest Margin | 2.27% | 3.93% | -1.66% | 2nd bottom |
| Efficiency Ratio | 56.27% | 61.14% | -4.87% | 65th above |
| PPNR / Avg Assets | 0.75% | 1.68% | -0.93% | 14th bottom |
| Yield on Earning Assets | 4.52% | 5.67% | -1.15% | 9th bottom |
| Cost of Funds | 2.63% | 1.88% | +0.75% | 12th bottom |
| Net Interest Spread | 1.61% | 3.32% | -1.71% | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.94% | -0.89% | 78th top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 82nd top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.80% | 1.28% | +0.52% | 90th top |
| ACL / NPLs (Coverage) | 3638.24% | 1538.34% | +2099.90% | — |
| Texas Ratio | 0.20% | 7.33% | -7.13% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.54% | 12.14% | +3.40% | 89th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.70% | 11.37% | -0.67% | 55th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.70% | 11.09% | -0.39% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.06% | 80.64% | -27.58% | 89th top |
| Core Deposit Ratio | 80.09% | 86.86% | -6.77% | 16th bottom |
| Wholesale Funding Ratio | 3.18% | 5.03% | -1.85% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.02% | 6.85% | +4.17% | 85th top |
| Loan Growth (Y/Y) | 8.09% | 7.90% | +0.19% | 65th above |
| Deposit Growth (Y/Y) | 9.95% | 6.29% | +3.66% | 82nd top |
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.