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 Corrigan, TX 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 | 1.91% | 1.25% | +0.66% | 82nd top |
| ROAE | 17.11% | 13.17% | +3.94% | 76th top |
| Net Interest Margin | 4.25% | 3.95% | +0.30% | 67th above |
| Efficiency Ratio | 54.80% | 61.50% | -6.70% | 69th above |
| PPNR / Avg Assets | 2.10% | — | — | 76th top |
| Yield on Earning Assets | 5.80% | 5.67% | +0.13% | 59th above |
| Cost of Funds | 1.72% | 1.87% | -0.15% | 55th above |
| Net Interest Spread | 3.42% | — | — | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.93% | -0.76% | 66th above |
| NPA / Total Assets | 0.14% | — | — | 66th above |
| NCO / Avg Loans | 0.68% | 0.15% | +0.53% | 5th bottom |
| ACL / Total Loans | 1.21% | — | — | 51st above |
| ACL / NPLs (Coverage) | 696.68% | — | — | 77th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.94% | 6.06% | -3.12% | 48th below |
| Provision / NCO | 113.92% | — | — | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.04% | 11.75% | +0.29% | 65th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.94% | 10.98% | -0.04% | 59th above |
| TCE / Tangible Assets | 10.94% | — | — | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.64% | 80.44% | -6.80% | 65th above |
| Core Deposit Ratio | 84.37% | 86.95% | -2.58% | 28th below |
| Wholesale Funding Ratio | 1.68% | — | — | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.95% | — | — | 32nd below |
| Loan Growth (Y/Y) | -2.45% | — | — | 13th bottom |
| Deposit Growth (Y/Y) | -0.82% | — | — | 19th bottom |
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.