Citizens State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens State Bank of Wyoming, 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 | 1.68% | 1.34% | +0.34% | 73rd above |
| ROAE | 10.73% | 13.31% | -2.58% | 40th below |
| Net Interest Margin | 3.82% | 3.93% | -0.11% | 43rd below |
| Efficiency Ratio | 52.29% | 61.14% | -8.85% | 76th top |
| PPNR / Avg Assets | 1.76% | 1.68% | +0.08% | 60th above |
| Yield on Earning Assets | 5.52% | 5.67% | -0.15% | 46th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.85% | 1.88% | -0.03% | 47th below |
| Net Interest Spread | 3.01% | 3.32% | -0.31% | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.94% | -0.92% | 83rd top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 85th top |
| NCO / Avg Loans | 0.17% | 0.16% | +0.01% | 14th bottom |
| ACL / Total Loans | 0.73% | 1.28% | -0.55% | 8th bottom |
| ACL / NPLs (Coverage) | 4338.46% | 1538.26% | +2800.20% | — |
| Texas Ratio | 0.87% | 7.33% | -6.46% | 74th above |
| Provision / NCO | 120.00% | 1395.75% | -1275.75% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.93% | 12.14% | +5.79% | 94th top |
| Equity / Assets | 16.19% | 11.37% | +4.82% | 91st top |
| TCE / Tangible Assets | 15.80% | 11.09% | +4.71% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.17% | 80.64% | -11.47% | 72nd above |
| Core Deposit Ratio | 85.79% | 86.86% | -1.07% | 33rd below |
| Wholesale Funding Ratio | 2.02% | 5.03% | -3.01% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.57% | 6.85% | +1.72% | 78th top |
| Loan Growth (Y/Y) | -0.03% | 7.90% | -7.93% | 22nd bottom |
| Deposit Growth (Y/Y) | 9.13% | 6.29% | +2.84% | 80th top |
See Citizens State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens State 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 State Bank profile, how to read a UBPR, or how this data updates.