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 Miles, TX 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 | 2.65% | 1.34% | +1.31% | 95th top |
| ROAE | 25.20% | 12.05% | +13.15% | 96th top |
| Net Interest Margin | 4.57% | 3.90% | +0.67% | 81st top |
| Efficiency Ratio | 40.01% | 63.16% | -23.15% | 95th top |
| PPNR / Avg Assets | 2.78% | 1.64% | +1.14% | 94th top |
| Yield on Earning Assets | 6.67% | 5.65% | +1.02% | 90th top |
| Cost of Funds | 2.28% | 1.85% | +0.43% | 22nd bottom |
| Net Interest Spread | 3.71% | 3.35% | +0.36% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.45% | 0.92% | -0.47% | 48th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.58% | 0.67% | -0.09% | 34th below |
| NCO / Avg Loans | 0.54% | 0.14% | +0.40% | 5th bottom |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 47th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 263.14% | 1645.73% | -1382.59% | 56th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.89% | 7.15% | -2.26% | 42nd below |
| Provision / NCO | 48.99% | 1189.89% | -1140.90% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.74% | 12.46% | -1.72% | 46th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.96% | 11.67% | -0.71% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.96% | 11.40% | -0.44% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.43% | 78.64% | +9.79% | 32nd below |
| Core Deposit Ratio | 61.35% | 87.10% | -25.75% | 2nd bottom |
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. | 4.53% | 6.47% | -1.94% | 51st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.61% | 7.64% | -2.03% | 51st above |
| Deposit Growth (Y/Y) | 3.73% | 6.02% | -2.29% | 48th below |
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.