Citizens State Bank of Lankin: 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 Lankin of Lankin, 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. | 1.42% | 3.33% | -1.91% | 66th above |
| ROAE | 17.57% | 8.27% | +9.30% | 88th top |
| Net Interest Margin | 4.72% | 3.92% | +0.80% | 80th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 70.14% | 84.49% | -14.35% | 49th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.33% | 1.56% | -0.23% | 55th above |
| Yield on Earning Assets | 6.31% | 5.24% | +1.07% | 84th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.63% | 1.67% | -0.04% | 47th below |
| Net Interest Spread | 3.78% | 3.30% | +0.48% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.02% | 1.42% | -0.40% | 30th below |
| NPA / Total Assets | 0.75% | 0.71% | +0.04% | 24th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 0.78% | 1.53% | -0.75% | 14th bottom |
| ACL / NPLs (Coverage) | 76.01% | 723.19% | -647.18% | 32nd below |
| Texas Ratio | 12.39% | 8.55% | +3.84% | 16th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 207.81% | 285.24% | -77.43% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.13% | 22.10% | -11.97% | 20th bottom |
| Equity / Assets | 8.81% | 20.74% | -11.93% | 15th bottom |
| TCE / Tangible Assets | 8.81% | 20.49% | -11.68% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.24% | 74.24% | +12.00% | 22nd bottom |
| Core Deposit Ratio | 87.11% | 88.31% | -1.20% | 29th below |
| Wholesale Funding Ratio | 5.55% | 5.32% | +0.23% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.47% | 3.82% | +0.65% | 61st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.78% | 6.85% | -0.07% | 68th above |
| Deposit Growth (Y/Y) | 10.39% | 2.96% | +7.43% | 85th top |
See Citizens State Bank of Lankin's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens State Bank of Lankin, 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 Lankin profile, how to read a UBPR, or how this data updates.