The 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 The Citizens State Bank and Trust Company of Council Grove, KS against its peer group of 504 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 Behind the peer average, ahead of the median peer. | 2.05% | 3.13% | -1.08% | 83rd top |
| ROAE | 24.38% | 10.26% | +14.12% | 95th top |
| Net Interest Margin | 5.22% | 3.94% | +1.28% | 91st top |
| Efficiency Ratio | 54.71% | 76.37% | -21.66% | 80th top |
| PPNR / Avg Assets | 2.25% | 1.40% | +0.85% | 86th top |
| Yield on Earning Assets | 7.56% | 5.35% | +2.21% | 97th top |
| Cost of Funds | 2.54% | 1.70% | +0.84% | 15th bottom |
| Net Interest Spread | 4.69% | 3.32% | +1.37% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 1.34% | -1.23% | 59th above |
| NPA / Total Assets | 0.09% | 0.71% | -0.62% | 54th above |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 0.99% | 1.49% | -0.50% | 27th below |
| ACL / NPLs (Coverage) | 931.82% | 865.10% | +66.72% | 87th top |
| Texas Ratio | 0.97% | 8.29% | -7.32% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.97% | 62.47% | -52.50% | 3rd bottom |
| Tier 1 Ratio | 9.97% | 62.48% | -52.51% | 3rd bottom |
| Total Capital Ratio | 10.96% | 63.45% | -52.49% | 3rd bottom |
| Leverage Ratio | 8.96% | 17.67% | -8.71% | 9th bottom |
| Equity / Assets | 8.57% | 16.47% | -7.90% | 13th bottom |
| TCE / Tangible Assets | 8.57% | 16.21% | -7.64% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.78% | 72.78% | +25.00% | 12th bottom |
| Core Deposit Ratio | 81.85% | 88.30% | -6.45% | 16th bottom |
| Wholesale Funding Ratio | 3.12% | 5.21% | -2.09% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.75% | 4.23% | +10.52% | 93rd top |
| Loan Growth (Y/Y) | 13.58% | 6.74% | +6.84% | 84th top |
| Deposit Growth (Y/Y) | 16.61% | 3.68% | +12.93% | 94th top |
See The Citizens State Bank and Trust Company's peers by name
The 504 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The 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 The Citizens State Bank and Trust Company profile, how to read a UBPR, or how this data updates.