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 Carleton, NE against its peer group of 506 similarly-sized US banks as of Q3 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 | 1.53% | 0.80% | +0.73% | 70th above |
| ROAE | 13.93% | 4.56% | +9.37% | 82nd top |
| Net Interest Margin | 4.64% | 3.96% | +0.68% | 84th top |
| Efficiency Ratio | 55.97% | 76.29% | -20.32% | 67th above |
| PPNR / Avg Assets | 2.04% | — | — | 70th above |
| Yield on Earning Assets | 7.22% | 5.45% | +1.77% | 98th top |
| Cost of Funds | 3.23% | 1.72% | +1.51% | 0th bottom |
| Net Interest Spread | 4.16% | — | — | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.41% | -1.41% | 79th top |
| NPA / Total Assets | 0.00% | — | — | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 50th above |
| ACL / Total Loans | 0.70% | — | — | 11th bottom |
| Texas Ratio | 0.00% | 8.94% | -8.94% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.16% | 14.22% | -3.06% | 21st bottom |
| Equity / Assets | 10.66% | 13.16% | -2.50% | 31st below |
| TCE / Tangible Assets | 10.66% | — | — | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 124.71% | 69.24% | +55.47% | 0th bottom |
| Core Deposit Ratio | 80.58% | 88.77% | -8.19% | 10th bottom |
| Wholesale Funding Ratio | 16.85% | — | — | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.76% | — | — | 90th top |
| Loan Growth (Y/Y) | 14.52% | — | — | 95th top |
| Deposit Growth (Y/Y) | 3.76% | — | — | 67th above |
See Citizens State Bank's peers by name
The 506 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.