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 Wisner, NE 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 | 1.20% | 1.25% | -0.05% | 44th below |
| ROAE | 14.43% | 12.22% | +2.21% | 62nd above |
| Net Interest Margin | 3.52% | 3.95% | -0.43% | 27th below |
| Efficiency Ratio | 64.34% | 63.71% | +0.63% | 40th below |
| PPNR / Avg Assets | 1.17% | — | — | 27th below |
| Yield on Earning Assets | 5.74% | 5.67% | +0.07% | 56th above |
| Cost of Funds | 2.43% | 1.87% | +0.56% | 17th bottom |
| Net Interest Spread | 3.08% | — | — | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.88% | -0.68% | 65th above |
| NPA / Total Assets | 0.30% | — | — | 51st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 48th below |
| ACL / Total Loans | 1.44% | — | — | 74th above |
| ACL / NPLs (Coverage) | 709.14% | — | — | 77th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.12% | 5.96% | -2.84% | 46th below |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.02% | 17.18% | -5.16% | 17th bottom |
| Tier 1 Ratio | 12.02% | 17.21% | -5.19% | 17th bottom |
| Total Capital Ratio | 13.27% | — | — | 19th bottom |
| Leverage Ratio | 10.07% | 11.75% | -1.68% | 33rd below |
| Equity / Assets | 8.84% | 10.98% | -2.14% | 24th bottom |
| TCE / Tangible Assets | 8.52% | — | — | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.61% | 80.44% | +5.17% | 39th below |
| Core Deposit Ratio | 75.83% | 86.95% | -11.12% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.55% | — | — | 77th top |
| Loan Growth (Y/Y) | 10.60% | — | — | 75th top |
| Deposit Growth (Y/Y) | 8.32% | — | — | 77th 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.