Citizens State Bank and Trust Co., Ellsworth, Kansas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens State Bank and Trust Co., Ellsworth, Kansas of Ellsworth, KS 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 | 1.52% | 1.34% | +0.18% | 64th above |
| ROAE | 20.65% | 13.31% | +7.34% | 89th top |
| Net Interest Margin | 3.12% | 3.93% | -0.81% | 13th bottom |
| Efficiency Ratio | 58.69% | 61.14% | -2.45% | 58th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.61% | 1.68% | -0.07% | 52nd above |
| Yield on Earning Assets | 5.06% | 5.67% | -0.61% | 26th below |
| Cost of Funds | 2.11% | 1.88% | +0.23% | 31st below |
| Net Interest Spread | 2.52% | 3.32% | -0.80% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.94% | -0.88% | 77th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 79th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 78th top |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 49th below |
| ACL / NPLs (Coverage) | 1842.73% | 1538.58% | +304.15% | — |
| Texas Ratio | 1.07% | 7.33% | -6.26% | 71st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 750.00% | 1395.75% | -645.75% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.74% | 12.14% | -2.40% | 26th below |
| Equity / Assets | 7.71% | 11.38% | -3.67% | 11th bottom |
| TCE / Tangible Assets | 6.99% | 11.09% | -4.10% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.62% | 80.64% | -0.02% | 50th above |
| Core Deposit Ratio | 84.75% | 86.86% | -2.11% | 29th below |
| Wholesale Funding Ratio | 15.40% | 5.03% | +10.37% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.85% | 6.85% | -2.00% | 53rd above |
| Loan Growth (Y/Y) | 4.87% | 7.90% | -3.03% | 47th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.89% | 6.29% | -0.40% | 63rd above |
See Citizens State Bank and Trust Co., Ellsworth, Kansas's peers by name
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Unlock Citizens State Bank and Trust Co., Ellsworth, Kansas, 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 and Trust Co., Ellsworth, Kansas profile, how to read a UBPR, or how this data updates.