Citizens State Bank of Arlington: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens State Bank of Arlington of Arlington, SD 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 | 1.24% | 1.35% | -0.11% | 48th below |
| ROAE | 11.34% | 12.05% | -0.71% | 44th below |
| Net Interest Margin | 3.07% | 3.90% | -0.83% | 12th bottom |
| Efficiency Ratio | 55.92% | 63.15% | -7.23% | 66th above |
| PPNR / Avg Assets | 1.25% | 1.64% | -0.39% | 31st below |
| Yield on Earning Assets | 4.88% | 5.65% | -0.77% | 19th bottom |
| Cost of Funds | 2.00% | 1.85% | +0.15% | 37th below |
| Net Interest Spread | 2.69% | 3.35% | -0.66% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.63% | 1.28% | +0.35% | 85th top |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.74% | 12.46% | -0.72% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.14% | 11.67% | -0.53% | 62nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.14% | 11.40% | -0.26% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.05% | 78.65% | -23.60% | 88th top |
| Core Deposit Ratio | 91.31% | 87.09% | +4.22% | 63rd above |
| Wholesale Funding Ratio | 0.46% | 5.12% | -4.66% | 90th top |
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. | 5.54% | 6.47% | -0.93% | 59th above |
| Loan Growth (Y/Y) | -5.69% | 7.64% | -13.33% | 6th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.22% | 6.02% | -0.80% | 59th above |
See Citizens State Bank of Arlington'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 of Arlington, 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 of Arlington profile, how to read a UBPR, or how this data updates.