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 Clarks Summit, PA 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 | 0.32% | 1.35% | -1.03% | 9th bottom |
| ROAE | 2.17% | 13.33% | -11.16% | 8th bottom |
| Net Interest Margin | 2.59% | 3.93% | -1.34% | 4th bottom |
| Efficiency Ratio | 85.84% | 61.12% | +24.72% | 9th bottom |
| PPNR / Avg Assets | 0.40% | 1.68% | -1.28% | 7th bottom |
| Yield on Earning Assets | 4.06% | 5.67% | -1.61% | 3rd bottom |
| Cost of Funds | 1.66% | 1.88% | -0.22% | 59th above |
| Net Interest Spread | 2.24% | 3.32% | -1.08% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.94% | -0.55% | 51st above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.32% | 0.70% | -0.38% | 49th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.34% | 1.28% | -0.94% | 1st bottom |
| ACL / NPLs (Coverage) | 87.29% | 1546.67% | -1459.38% | 23rd bottom |
| Texas Ratio | 2.12% | 7.34% | -5.22% | 62nd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 383.33% | 1395.40% | -1012.07% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 29.63% | 19.48% | +10.15% | 92nd top |
| Tier 1 Ratio | 29.63% | 19.51% | +10.12% | 92nd top |
| Total Capital Ratio | 30.21% | 20.60% | +9.61% | 92nd top |
| Leverage Ratio | 15.12% | 12.14% | +2.98% | 87th top |
| Equity / Assets | 14.98% | 11.36% | +3.62% | 88th top |
| TCE / Tangible Assets | 14.98% | 11.08% | +3.90% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.43% | 80.66% | +17.77% | 13th bottom |
| Core Deposit Ratio | 92.88% | 86.85% | +6.03% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.48% | 6.84% | -5.36% | 29th below |
| Loan Growth (Y/Y) | 1.82% | 7.92% | -6.10% | 31st below |
| Deposit Growth (Y/Y) | 1.41% | 6.29% | -4.88% | 31st below |
See Citizens 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 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.