City State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks City State Bank of Norwalk, IA 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 | 1.69% | 1.34% | +0.35% | 73rd above |
| ROAE | 18.17% | 13.31% | +4.86% | 80th top |
| Net Interest Margin | 3.26% | 3.93% | -0.67% | 18th bottom |
| Efficiency Ratio | 57.59% | 61.14% | -3.55% | 61st above |
| PPNR / Avg Assets | 1.94% | 1.68% | +0.26% | 70th above |
| Yield on Earning Assets | 5.42% | 5.67% | -0.25% | 41st below |
| Cost of Funds | 2.36% | 1.88% | +0.48% | 19th bottom |
| Net Interest Spread | 2.46% | 3.32% | -0.86% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 0.94% | -0.67% | 59th above |
| NPA / Total Assets | 0.21% | 0.70% | -0.49% | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 26th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.28% | -0.03% | 56th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 460.67% | 1539.57% | -1078.90% | 69th above |
| Texas Ratio | 2.00% | 7.34% | -5.34% | 63rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 480.77% | 1396.55% | -915.78% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.37% | 12.14% | -2.77% | 19th bottom |
| Equity / Assets | 9.49% | 11.38% | -1.89% | 36th below |
| TCE / Tangible Assets | 9.39% | 11.09% | -1.70% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.57% | 80.63% | +5.94% | 36th below |
| Core Deposit Ratio | 91.33% | 86.86% | +4.47% | 63rd above |
| Wholesale Funding Ratio | 2.09% | 5.04% | -2.95% | 66th 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. | 4.98% | 6.85% | -1.87% | 54th above |
| Loan Growth (Y/Y) | 4.91% | 7.91% | -3.00% | 47th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.80% | 6.29% | -1.49% | 56th above |
See City State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock City 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 City State Bank profile, how to read a UBPR, or how this data updates.