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 Woodville, 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 | 0.31% | 1.35% | -1.04% | 8th bottom |
| ROAE | 2.56% | 12.06% | -9.50% | 8th bottom |
| Net Interest Margin | 3.87% | 3.90% | -0.03% | 47th below |
| Efficiency Ratio | 82.95% | 63.14% | +19.81% | 11th bottom |
| PPNR / Avg Assets | 0.65% | 1.64% | -0.99% | 11th bottom |
| Yield on Earning Assets | 5.71% | 5.65% | +0.06% | 55th above |
| Cost of Funds | 2.01% | 1.85% | +0.16% | 37th below |
| Net Interest Spread | 3.14% | 3.35% | -0.21% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.10% | 0.92% | +2.18% | 6th bottom |
| NPA / Total Assets | 2.30% | 0.67% | +1.63% | 6th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.15% | -0.06% | 20th bottom |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 49th below |
| ACL / NPLs (Coverage) | 38.33% | 1645.82% | -1607.49% | 6th bottom |
| Texas Ratio | 18.48% | 7.15% | +11.33% | 9th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 338.46% | 1189.72% | -851.26% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.70% | 20.83% | -4.13% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.70% | 20.86% | -4.16% | 61st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.00% | 21.94% | -3.94% | 63rd above |
| Leverage Ratio | 13.18% | 12.46% | +0.72% | 76th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.60% | 11.67% | -0.07% | 67th above |
| TCE / Tangible Assets | 11.60% | 11.40% | +0.20% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.96% | 78.64% | +4.32% | 45th below |
| Core Deposit Ratio | 89.55% | 87.09% | +2.46% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 36.84% | 6.46% | +30.38% | 98th top |
| Loan Growth (Y/Y) | 38.51% | 7.63% | +30.88% | 98th top |
| Deposit Growth (Y/Y) | 38.89% | 6.01% | +32.88% | 98th 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.