Citizens State Bank of Roseau: 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 Roseau of Roseau, MN against its peer group of 2603 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 | 1.57% | 1.34% | +0.23% | 67th above |
| ROAE | 13.57% | 13.32% | +0.25% | 57th above |
| Net Interest Margin | 3.43% | 3.93% | -0.50% | 25th below |
| Efficiency Ratio | 50.99% | 61.13% | -10.14% | 79th top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.66% | 1.68% | -0.02% | 54th above |
| Yield on Earning Assets | 4.86% | 5.67% | -0.81% | 18th bottom |
| Cost of Funds | 1.64% | 1.88% | -0.24% | 60th above |
| Net Interest Spread | 2.69% | 3.32% | -0.63% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 55th above |
| NPA / Total Assets | 0.19% | 0.70% | -0.51% | 60th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 82nd top |
| ACL / Total Loans | 1.02% | 1.28% | -0.26% | 29th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 306.57% | 1546.50% | -1239.93% | 60th above |
| Texas Ratio | 2.47% | 7.34% | -4.87% | 58th above |
| Provision / NCO | 82.01% | 1395.43% | -1313.42% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.30% | 12.14% | +1.16% | 77th top |
| Equity / Assets | 11.89% | 11.36% | +0.53% | 70th above |
| TCE / Tangible Assets | 11.89% | 11.08% | +0.81% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.96% | 80.66% | -12.70% | 74th above |
| Core Deposit Ratio | 92.47% | 86.85% | +5.62% | 70th above |
| Wholesale Funding Ratio | 2.34% | 5.04% | -2.70% | 63rd above |
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. | 4.44% | 6.84% | -2.40% | 50th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.39% | 7.92% | -0.53% | 62nd above |
| Deposit Growth (Y/Y) | 2.23% | 6.29% | -4.06% | 37th below |
See Citizens State Bank of Roseau's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens State Bank of Roseau, 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 Roseau profile, how to read a UBPR, or how this data updates.