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 Marysville, 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 | 2.06% | 1.34% | +0.72% | 87th top |
| ROAE | 26.25% | 13.31% | +12.94% | 96th top |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 35.47% | 61.15% | -25.68% | 98th top |
| PPNR / Avg Assets | 2.45% | 1.68% | +0.77% | 88th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.67% | -0.01% | 53rd above |
| Cost of Funds | 2.05% | 1.88% | +0.17% | 34th below |
| Net Interest Spread | 3.30% | 3.32% | -0.02% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.23% | 0.94% | +0.29% | 23rd bottom |
| NPA / Total Assets | 0.96% | 0.70% | +0.26% | 21st bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 50th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) | 103.16% | 1539.35% | -1436.19% | 29th below |
| Texas Ratio | 11.94% | 7.33% | +4.61% | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.76% | 12.14% | -2.38% | 26th below |
| Equity / Assets | 7.81% | 11.38% | -3.57% | 12th bottom |
| TCE / Tangible Assets | 7.43% | 11.09% | -3.66% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.54% | 80.63% | +9.91% | 27th below |
| Core Deposit Ratio | 79.88% | 86.86% | -6.98% | 16th bottom |
| Wholesale Funding Ratio | 5.13% | 5.03% | +0.10% | 37th below |
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. | 6.04% | 6.85% | -0.81% | 62nd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.64% | 7.90% | -1.26% | 58th above |
| Deposit Growth (Y/Y) | 9.55% | 6.29% | +3.26% | 81st top |
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.