The Citizens State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens State Bank of Moundridge, KS 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 | 1.62% | 1.34% | +0.28% | 70th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.70% | 13.31% | -0.61% | 52nd above |
| Net Interest Margin | 4.15% | 3.93% | +0.22% | 62nd above |
| Efficiency Ratio | 57.36% | 61.14% | -3.78% | 62nd above |
| PPNR / Avg Assets | 1.87% | 1.68% | +0.19% | 66th above |
| Yield on Earning Assets | 4.85% | 5.67% | -0.82% | 18th bottom |
| Cost of Funds | 0.79% | 1.88% | -1.09% | 95th top |
| Net Interest Spread | 3.83% | 3.32% | +0.51% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 84th top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 86th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.52% | 1.28% | +0.24% | 80th top |
| ACL / NPLs (Coverage) | 15513.64% | 1532.00% | +13981.64% | — |
| Texas Ratio | 0.04% | 7.33% | -7.29% | 89th top |
| Provision / NCO | 0.00% | 1396.42% | -1396.42% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.45% | 12.14% | +2.31% | 84th top |
| Equity / Assets | 13.01% | 11.37% | +1.64% | 79th top |
| TCE / Tangible Assets | 12.32% | 11.09% | +1.23% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.68% | 80.65% | -21.97% | 85th top |
| Core Deposit Ratio | 95.39% | 86.86% | +8.53% | 86th top |
| Wholesale Funding Ratio | 1.40% | 5.04% | -3.64% | 76th 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. | 6.23% | 6.85% | -0.62% | 64th above |
| Loan Growth (Y/Y) | -4.69% | 7.91% | -12.60% | 8th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.95% | 6.29% | -1.34% | 57th above |
See The Citizens State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens State Bank, 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 The Citizens State Bank profile, how to read a UBPR, or how this data updates.