The Citizens State Bank at Mohall: 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 at Mohall of Mohall, ND against its peer group of 536 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. | 1.19% | 3.33% | -2.14% | 57th above |
| ROAE | 10.55% | 8.28% | +2.27% | 61st above |
| Net Interest Margin | 3.82% | 3.92% | -0.10% | 46th below |
| Efficiency Ratio | 67.12% | 84.50% | -17.38% | 55th above |
| PPNR / Avg Assets | 1.15% | 1.56% | -0.41% | 46th below |
| Yield on Earning Assets | 5.38% | 5.24% | +0.14% | 57th above |
| Cost of Funds | 1.39% | 1.67% | -0.28% | 58th above |
| Net Interest Spread | 3.13% | 3.30% | -0.17% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.43% | 1.42% | -0.99% | 46th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.38% | 0.71% | -0.33% | 38th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 82nd top |
| ACL / Total Loans | 0.68% | 1.53% | -0.85% | 9th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 158.20% | 722.96% | -564.76% | 51st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.15% | 8.57% | -5.42% | 45th below |
| Provision / NCO | 0.00% | 286.20% | -286.20% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.01% | 127.09% | -111.08% | 27th below |
| Tier 1 Ratio | 16.01% | 127.10% | -111.09% | 27th below |
| Total Capital Ratio | 16.69% | 127.99% | -111.30% | 25th below |
| Leverage Ratio | 11.78% | 22.10% | -10.32% | 37th below |
| Equity / Assets | 11.50% | 20.74% | -9.24% | 41st below |
| TCE / Tangible Assets | 11.50% | 20.49% | -8.99% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.71% | 74.24% | +10.47% | 23rd bottom |
| Core Deposit Ratio | 80.69% | 88.32% | -7.63% | 14th bottom |
| Wholesale Funding Ratio | 0.94% | 5.34% | -4.40% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.03% | 3.83% | -1.80% | 46th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.61% | 6.85% | -4.24% | 51st above |
| Deposit Growth (Y/Y) | 5.97% | 2.97% | +3.00% | 70th above |
See The Citizens State Bank at Mohall's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens State Bank at Mohall, 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 at Mohall profile, how to read a UBPR, or how this data updates.