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 Somerville, TX against its peer group of 927 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 | 1.76% | 1.46% | +0.30% | 80th top |
| ROAE | 14.04% | 12.69% | +1.35% | 63rd above |
| Net Interest Margin | 4.87% | 3.85% | +1.02% | 94th top |
| Efficiency Ratio | 46.29% | 57.41% | -11.12% | 84th top |
| PPNR / Avg Assets | 2.71% | 1.88% | +0.83% | 91st top |
| Yield on Earning Assets | 6.36% | 5.72% | +0.64% | 86th top |
| Cost of Funds | 1.60% | 2.02% | -0.42% | 76th top |
| Net Interest Spread | 4.12% | 3.18% | +0.94% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.90% | 1.00% | +0.90% | 12th bottom |
| NPA / Total Assets | 1.48% | 0.76% | +0.72% | 12th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.42% | 0.43% | -0.01% | 11th bottom |
| ACL / Total Loans | 1.11% | 1.31% | -0.20% | 44th below |
| ACL / NPLs (Coverage) | 58.77% | 564.60% | -505.83% | 12th bottom |
| Texas Ratio | 11.77% | 7.39% | +4.38% | 18th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 184.27% | 618.79% | -434.52% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.95% | 11.44% | +1.51% | 85th top |
| Equity / Assets | 12.66% | 11.33% | +1.33% | 82nd top |
| TCE / Tangible Assets | 12.45% | 10.50% | +1.95% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.38% | 86.96% | -14.58% | 83rd top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.70% | 85.55% | +2.15% | 45th below |
| Uninsured Deposit Ratio | 40.77% | 33.12% | +7.65% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.92% | 9.68% | -3.76% | 55th above |
| Loan Growth (Y/Y) | 3.18% | 8.06% | -4.88% | 36th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.91% | 7.88% | -2.97% | 50th above |
See Citizens State Bank's peers by name
The 927 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.