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 Monticello, 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 | 1.30% | 1.25% | +0.05% | 51st above |
| ROAE | 20.86% | 12.22% | +8.64% | 89th top |
| Net Interest Margin | 3.12% | 3.95% | -0.83% | 13th bottom |
| Efficiency Ratio | 53.47% | 63.71% | -10.24% | 73rd above |
| PPNR / Avg Assets | 1.39% | — | — | 37th below |
| Yield on Earning Assets | 5.28% | 5.67% | -0.39% | 34th below |
| Cost of Funds | 2.26% | 1.87% | +0.39% | 23rd bottom |
| Net Interest Spread | 2.62% | — | — | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.46% | 0.88% | +0.58% | 19th bottom |
| NPA / Total Assets | 0.84% | — | — | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 27th below |
| ACL / Total Loans | 1.18% | — | — | 49th below |
| ACL / NPLs (Coverage) | 80.98% | — | — | 21st bottom |
| Texas Ratio | 12.44% | 5.96% | +6.48% | 13th bottom |
| Provision / NCO | 423.53% | — | — | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.48% | 11.75% | -0.27% | 57th above |
| Equity / Assets | 6.66% | 10.98% | -4.32% | 5th bottom |
| TCE / Tangible Assets | 6.12% | — | — | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.01% | 80.44% | -19.43% | 83rd top |
| Core Deposit Ratio | 82.33% | 86.95% | -4.62% | 22nd bottom |
| Wholesale Funding Ratio | 2.19% | — | — | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.47% | — | — | 58th above |
| Loan Growth (Y/Y) | 7.67% | — | — | 63rd above |
| Deposit Growth (Y/Y) | 4.33% | — | — | 52nd above |
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.