Citizens State Bank of Milford: 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 Milford of Milford, IL against its peer group of 506 similarly-sized US banks as of Q3 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 | 0.20% | 0.80% | -0.60% | 11th bottom |
| ROAE | 2.90% | 4.56% | -1.66% | 11th bottom |
| Net Interest Margin | 3.95% | 3.96% | -0.01% | 49th below |
| Efficiency Ratio | 87.65% | 76.29% | +11.36% | 13th bottom |
| PPNR / Avg Assets | 0.25% | — | — | 11th bottom |
| Yield on Earning Assets | 4.89% | 5.45% | -0.56% | 38th below |
| Cost of Funds | 0.89% | 1.72% | -0.83% | 77th top |
| Net Interest Spread | 3.73% | — | — | 64th 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. | 0.37% | 1.41% | -1.04% | 30th below |
| NPA / Total Assets | 0.15% | — | — | 41st below |
| NCO / Avg Loans | -0.02% | 0.10% | -0.12% | 80th top |
| ACL / Total Loans | 0.57% | — | — | 3rd bottom |
| ACL / NPLs (Coverage) | 154.02% | — | — | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.43% | 8.94% | -6.51% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.10% | 24.93% | -11.83% | 0th bottom |
| Tier 1 Ratio | 13.10% | 24.94% | -11.84% | 0th bottom |
| Total Capital Ratio | 13.47% | — | — | 0th bottom |
| Leverage Ratio | 9.30% | 14.22% | -4.92% | 3rd bottom |
| Equity / Assets | 6.12% | 13.16% | -7.04% | 2nd bottom |
| TCE / Tangible Assets | 6.12% | — | — | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.45% | 69.24% | -23.79% | 80th top |
| Core Deposit Ratio | 99.22% | 88.77% | +10.45% | 97th top |
| Wholesale Funding Ratio | 0.79% | — | — | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.80% | — | — | 61st above |
| Loan Growth (Y/Y) | 14.51% | — | — | 93rd top |
| Deposit Growth (Y/Y) | 3.77% | — | — | 69th above |
See Citizens State Bank of Milford's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens State Bank of Milford, 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 Milford profile, how to read a UBPR, or how this data updates.