Citizens State Bank - La Crosse: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens State Bank - La Crosse of La Crosse, WI 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 | 3.10% | 1.34% | +1.76% | 97th top |
| ROAE | 23.61% | 13.31% | +10.30% | 94th top |
| Net Interest Margin | 4.16% | 3.93% | +0.23% | 62nd above |
| Efficiency Ratio | 38.83% | 61.15% | -22.32% | 96th top |
| PPNR / Avg Assets | 3.10% | 1.68% | +1.42% | 96th top |
| Yield on Earning Assets | 6.29% | 5.67% | +0.62% | 80th top |
| Cost of Funds | 2.48% | 1.88% | +0.60% | 16th bottom |
| Net Interest Spread | 3.42% | 3.32% | +0.10% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.06% | 0.94% | +0.12% | 27th below |
| NPA / Total Assets | 0.99% | 0.70% | +0.29% | 20th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.36% | 1.28% | +0.08% | 68th above |
| ACL / NPLs (Coverage) | 128.46% | 1539.64% | -1411.18% | 36th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.96% | 7.33% | -0.37% | 31st below |
| Provision / NCO | 0.00% | 1396.82% | -1396.82% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.36% | 12.14% | +1.22% | 77th top |
| Equity / Assets | 13.13% | 11.37% | +1.76% | 79th top |
| TCE / Tangible Assets | 13.12% | 11.09% | +2.03% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 106.42% | 80.62% | +25.80% | 6th bottom |
| Core Deposit Ratio | 83.84% | 86.86% | -3.02% | 27th below |
| Wholesale Funding Ratio | 7.46% | 5.03% | +2.43% | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.11% | 6.86% | -8.97% | 10th bottom |
| Loan Growth (Y/Y) | 0.94% | 7.91% | -6.97% | 26th below |
| Deposit Growth (Y/Y) | -3.79% | 6.29% | -10.08% | 9th bottom |
See Citizens State Bank - La Crosse's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens State Bank - La Crosse, 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 - La Crosse profile, how to read a UBPR, or how this data updates.