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 Sheldon, IA 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 | 1.70% | 1.25% | +0.45% | 73rd above |
| ROAE | 14.07% | 12.22% | +1.85% | 60th above |
| Net Interest Margin | 3.60% | 3.95% | -0.35% | 31st below |
| Efficiency Ratio | 44.94% | 63.71% | -18.77% | 89th top |
| PPNR / Avg Assets | 1.98% | — | — | 70th above |
| Yield on Earning Assets | 5.09% | 5.67% | -0.58% | 26th below |
| Cost of Funds | 1.68% | 1.87% | -0.19% | 57th above |
| Net Interest Spread | 2.92% | — | — | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 93rd top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.20% | — | — | 51st above |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.45% | 11.75% | +0.70% | 69th above |
| Equity / Assets | 12.69% | 10.98% | +1.71% | 76th top |
| TCE / Tangible Assets | 11.86% | — | — | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.25% | 80.44% | -1.19% | 53rd above |
| Core Deposit Ratio | 90.34% | 86.95% | +3.39% | 57th above |
| Wholesale Funding Ratio | 1.46% | — | — | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.30% | — | — | 41st below |
| Loan Growth (Y/Y) | 7.35% | — | — | 61st above |
| Deposit Growth (Y/Y) | 0.21% | — | — | 24th 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.