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 Hugoton, KS 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 | 1.23% | 1.25% | -0.02% | 47th below |
| ROAE | 9.66% | 13.17% | -3.51% | 33rd below |
| Net Interest Margin | 3.65% | 3.95% | -0.30% | 34th below |
| Efficiency Ratio | 54.09% | 61.50% | -7.41% | 71st above |
| PPNR / Avg Assets | 1.69% | — | — | 55th above |
| Yield on Earning Assets | 5.29% | 5.67% | -0.38% | 35th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.86% | 1.87% | -0.01% | 46th below |
| Net Interest Spread | 2.78% | — | — | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.47% | 0.93% | -0.46% | 46th below |
| NPA / Total Assets | 0.24% | — | — | 56th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 44th below |
| ACL / Total Loans | 1.19% | — | — | 49th below |
| ACL / NPLs (Coverage) | 250.30% | — | — | 54th above |
| Texas Ratio | 1.10% | 6.06% | -4.96% | 67th above |
| Provision / NCO | 2166.67% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.54% | 11.75% | +1.79% | 78th top |
| Equity / Assets | 13.38% | 10.98% | +2.40% | 81st top |
| TCE / Tangible Assets | 13.38% | — | — | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.48% | 80.44% | -20.96% | 85th top |
| Core Deposit Ratio | 64.58% | 86.95% | -22.37% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.18% | — | — | 56th above |
| Loan Growth (Y/Y) | -5.45% | — | — | 6th bottom |
| Deposit Growth (Y/Y) | 5.15% | — | — | 58th 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.