Citizens State Bank of Loyal: 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 Loyal of Loyal, 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 | 1.15% | 1.34% | -0.19% | 42nd below |
| ROAE | 11.49% | 13.31% | -1.82% | 45th below |
| Net Interest Margin | 3.33% | 3.93% | -0.60% | 21st bottom |
| Efficiency Ratio | 58.99% | 61.14% | -2.15% | 57th above |
| PPNR / Avg Assets | 1.36% | 1.68% | -0.32% | 37th below |
| Yield on Earning Assets | 5.03% | 5.67% | -0.64% | 25th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.86% | 1.88% | -0.02% | 46th below |
| Net Interest Spread | 2.77% | 3.32% | -0.55% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 36th below |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 37th below |
| Texas Ratio | 0.01% | 7.33% | -7.32% | 90th top |
| Provision / NCO | 1820.00% | 1395.29% | +424.71% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.48% | 12.14% | -0.66% | 58th above |
| Equity / Assets | 10.22% | 11.37% | -1.15% | 48th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.22% | 11.09% | -0.87% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.68% | 80.64% | -7.96% | 66th above |
| Core Deposit Ratio | 97.25% | 86.86% | +10.39% | 93rd top |
| Wholesale Funding Ratio | 8.02% | 5.03% | +2.99% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.62% | 6.85% | -8.47% | 12th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.19% | 7.90% | -1.71% | 55th above |
| Deposit Growth (Y/Y) | -1.80% | 6.29% | -8.09% | 14th bottom |
See Citizens State Bank of Loyal'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 Loyal, 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 Loyal profile, how to read a UBPR, or how this data updates.