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 Lena, IL against its peer group of 2757 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 | 1.91% | 1.25% | +0.66% | 82nd top |
| ROAE | 19.80% | 12.22% | +7.58% | 86th top |
| Net Interest Margin | 3.89% | 3.95% | -0.06% | 47th below |
| Efficiency Ratio | 46.37% | 63.71% | -17.34% | 88th top |
| PPNR / Avg Assets | 2.18% | — | — | 78th top |
| Yield on Earning Assets | 5.48% | 5.67% | -0.19% | 44th below |
| Cost of Funds | 1.75% | 1.87% | -0.12% | 53rd above |
| Net Interest Spread | 3.52% | — | — | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.23% | 0.88% | +0.35% | 23rd bottom |
| NPA / Total Assets | 0.84% | — | — | 25th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 50th above |
| ACL / Total Loans | 0.84% | — | — | 13th bottom |
| ACL / NPLs (Coverage) | 68.15% | — | — | 17th bottom |
| Texas Ratio | 9.51% | 5.96% | +3.55% | 19th bottom |
| Provision / NCO | 20900.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.01% | 17.18% | -3.17% | 39th below |
| Tier 1 Ratio | 14.01% | 17.21% | -3.20% | 39th below |
| Total Capital Ratio | 14.82% | — | — | 36th below |
| Leverage Ratio | 9.58% | 11.75% | -2.17% | 23rd bottom |
| Equity / Assets | 9.41% | 10.98% | -1.57% | 34th below |
| TCE / Tangible Assets | 8.35% | — | — | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.08% | 80.44% | -6.36% | 64th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.29% | 86.95% | +1.34% | 45th below |
| Wholesale Funding Ratio | 0.28% | — | — | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.71% | — | — | 15th bottom |
| Loan Growth (Y/Y) | 6.12% | — | — | 54th above |
| Deposit Growth (Y/Y) | -1.40% | — | — | 16th bottom |
See Citizens State Bank's peers by name
The 2757 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Citizens State Bank peer analysis.