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 Sealy, 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 | 1.42% | 1.35% | +0.07% | 59th above |
| ROAE | 16.44% | 12.05% | +4.39% | 73rd above |
| Net Interest Margin | 3.26% | 3.90% | -0.64% | 18th bottom |
| Efficiency Ratio | 41.48% | 63.16% | -21.68% | 94th top |
| PPNR / Avg Assets | 1.89% | 1.64% | +0.25% | 68th above |
| Yield on Earning Assets | 5.08% | 5.65% | -0.57% | 26th below |
| Cost of Funds | 2.16% | 1.85% | +0.31% | 28th below |
| Net Interest Spread | 2.40% | 3.35% | -0.95% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 81st top |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 32nd below |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
| Provision / NCO | 29300.00% | 1172.22% | +28127.78% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.35% | 12.46% | -2.11% | 39th below |
| Equity / Assets | 8.89% | 11.67% | -2.78% | 25th below |
| TCE / Tangible Assets | 8.89% | 11.40% | -2.51% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.25% | 78.65% | -9.40% | 72nd above |
| Core Deposit Ratio | 74.12% | 87.10% | -12.98% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.97% | 6.47% | +10.50% | 93rd top |
| Loan Growth (Y/Y) | 16.29% | 7.64% | +8.65% | 88th top |
| Deposit Growth (Y/Y) | 17.09% | 6.02% | +11.07% | 93rd top |
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.