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 Anamosa, 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 | 1.11% | 1.34% | -0.23% | 39th below |
| ROAE | 14.59% | 13.31% | +1.28% | 63rd above |
| Net Interest Margin | 3.07% | 3.93% | -0.86% | 12th bottom |
| Efficiency Ratio | 59.00% | 61.14% | -2.14% | 57th above |
| PPNR / Avg Assets | 1.15% | 1.68% | -0.53% | 27th below |
| Yield on Earning Assets | 4.36% | 5.67% | -1.31% | 6th bottom |
| Cost of Funds | 1.39% | 1.88% | -0.49% | 75th top |
| Net Interest Spread | 2.78% | 3.32% | -0.54% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 83rd top |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 30th below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.57% | 19.50% | -1.93% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.57% | 19.54% | -1.97% | 67th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.36% | 20.62% | -2.26% | 65th above |
| Leverage Ratio | 9.50% | 12.14% | -2.64% | 21st bottom |
| Equity / Assets | 7.79% | 11.37% | -3.58% | 12th bottom |
| TCE / Tangible Assets | 7.79% | 11.09% | -3.30% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.84% | 80.64% | -34.80% | 93rd top |
| Core Deposit Ratio | 92.62% | 86.86% | +5.76% | 71st above |
| Wholesale Funding Ratio | 0.27% | 5.03% | -4.76% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.89% | 6.85% | +0.04% | 68th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.89% | 7.90% | -2.01% | 53rd above |
| Deposit Growth (Y/Y) | 6.44% | 6.29% | +0.15% | 67th above |
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.