Citizens State Bank and Trust Company: 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 Company of Hiawatha, KS against its peer group of 2603 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 | 2.21% | 1.34% | +0.87% | 90th top |
| ROAE Behind the peer average, ahead of the median peer. | 12.36% | 13.32% | -0.96% | 50th above |
| Net Interest Margin | 4.40% | 3.93% | +0.47% | 75th top |
| Efficiency Ratio | 55.96% | 61.13% | -5.17% | 66th above |
| PPNR / Avg Assets | 2.27% | 1.68% | +0.59% | 83rd top |
| Yield on Earning Assets | 5.15% | 5.67% | -0.52% | 29th below |
| Cost of Funds | 0.88% | 1.88% | -1.00% | 94th top |
| Net Interest Spread | 4.04% | 3.32% | +0.72% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.94% | -0.73% | 63rd above |
| NPA / Total Assets | 0.13% | 0.70% | -0.57% | 66th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.93% | 1.28% | -0.35% | 19th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 440.29% | 1546.24% | -1105.95% | 68th above |
| Texas Ratio | 0.72% | 7.34% | -6.62% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 29.83% | 19.48% | +10.35% | 92nd top |
| Tier 1 Ratio | 29.83% | 19.52% | +10.31% | 92nd top |
| Total Capital Ratio | 30.80% | 20.60% | +10.20% | 93rd top |
| Leverage Ratio | 18.31% | 12.14% | +6.17% | 95th top |
| Equity / Assets | 18.09% | 11.36% | +6.73% | 94th top |
| TCE / Tangible Assets | 18.09% | 11.08% | +7.01% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.47% | 80.66% | +1.81% | 46th below |
| Core Deposit Ratio | 96.90% | 86.85% | +10.05% | 93rd top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.93% | 5.04% | -0.11% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.06% | 6.84% | -3.78% | 40th below |
| Loan Growth (Y/Y) | 0.95% | 7.92% | -6.97% | 26th below |
| Deposit Growth (Y/Y) | 3.94% | 6.29% | -2.35% | 49th below |
See Citizens State Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens State Bank and Trust Company, 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 Company profile, how to read a UBPR, or how this data updates.