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 Hudson, WI 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 | 12.51% | 12.22% | +0.29% | 50th above |
| Net Interest Margin | 3.82% | 3.95% | -0.13% | 43rd below |
| Efficiency Ratio | 58.40% | 63.71% | -5.31% | 58th above |
| PPNR / Avg Assets | 1.66% | — | — | 54th above |
| Yield on Earning Assets | 5.90% | 5.67% | +0.23% | 63rd above |
| Cost of Funds | 2.29% | 1.87% | +0.42% | 21st bottom |
| Net Interest Spread | 3.34% | — | — | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.43% | 0.88% | -0.45% | 49th below |
| NPA / Total Assets | 0.36% | — | — | 47th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 77th top |
| ACL / Total Loans | 1.32% | — | — | 65th above |
| ACL / NPLs (Coverage) | 305.25% | — | — | 59th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.31% | 5.96% | -2.65% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.02% | 11.75% | -1.73% | 32nd below |
| Equity / Assets | 9.65% | 10.98% | -1.33% | 38th below |
| TCE / Tangible Assets | 9.65% | — | — | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.71% | 80.44% | +17.27% | 14th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.64% | 86.95% | +1.69% | 47th below |
| Wholesale Funding Ratio | 5.81% | — | — | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.37% | — | — | 57th above |
| Loan Growth (Y/Y) | 2.86% | — | — | 35th below |
| Deposit Growth (Y/Y) | 3.16% | — | — | 43rd below |
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.