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 Gridley, KS 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 | 1.54% | 1.34% | +0.20% | 65th above |
| ROAE | 13.53% | 13.32% | +0.21% | 57th above |
| Net Interest Margin | 4.93% | 3.93% | +1.00% | 91st top |
| Efficiency Ratio | 47.40% | 61.14% | -13.74% | 86th top |
| PPNR / Avg Assets | 2.56% | 1.68% | +0.88% | 90th top |
| Yield on Earning Assets | 5.94% | 5.67% | +0.27% | 66th above |
| Cost of Funds | 1.09% | 1.88% | -0.79% | 88th top |
| Net Interest Spread | 4.38% | 3.32% | +1.06% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 0.94% | -0.54% | 50th above |
| NPA / Total Assets | 0.27% | 0.70% | -0.43% | 54th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 76th top |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 64th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 330.66% | 1546.55% | -1215.89% | 62nd above |
| Texas Ratio | 3.10% | 7.34% | -4.24% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.08% | 12.14% | -0.06% | 66th above |
| Equity / Assets | 11.72% | 11.36% | +0.36% | 68th above |
| TCE / Tangible Assets | 11.70% | 11.08% | +0.62% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.34% | 80.66% | -4.32% | 59th above |
| Core Deposit Ratio | 95.21% | 86.85% | +8.36% | 85th top |
| Wholesale Funding Ratio | 0.25% | 5.04% | -4.79% | 94th 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. | 6.06% | 6.84% | -0.78% | 63rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.82% | 7.92% | -2.10% | 53rd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.79% | 6.29% | -1.50% | 56th above |
See The Citizens State Bank's peers by name
The 2603 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.