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 Royal Oak, MI 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 | 1.84% | 1.25% | +0.59% | 80th top |
| ROAE | 22.67% | 12.22% | +10.45% | 93rd top |
| Net Interest Margin | 5.00% | 3.95% | +1.05% | 92nd top |
| Efficiency Ratio | 38.91% | 63.71% | -24.80% | 96th top |
| PPNR / Avg Assets | 3.25% | — | — | 97th top |
| Yield on Earning Assets | 7.29% | 5.67% | +1.62% | 97th top |
| Cost of Funds | 2.31% | 1.87% | +0.44% | 21st bottom |
| Net Interest Spread | 3.93% | — | — | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 0.88% | -0.70% | 67th above |
| NPA / Total Assets | 0.14% | — | — | 66th above |
| NCO / Avg Loans | 0.52% | 0.15% | +0.37% | 6th bottom |
| ACL / Total Loans | 1.11% | — | — | 40th below |
| ACL / NPLs (Coverage) | 613.56% | — | — | 74th above |
| Texas Ratio | 1.56% | 5.96% | -4.40% | 62nd above |
| Provision / NCO | 238.38% | — | — | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 8.58% | 11.75% | -3.17% | 7th bottom |
| Equity / Assets | 8.27% | 10.98% | -2.71% | 16th bottom |
| TCE / Tangible Assets | 8.27% | — | — | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.88% | 80.44% | +5.44% | 38th below |
| Core Deposit Ratio | 97.61% | 86.95% | +10.66% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 41.12% | — | — | 98th top |
| Loan Growth (Y/Y) | 54.99% | — | — | 99th top |
| Deposit Growth (Y/Y) | 41.51% | — | — | 98th top |
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.