The City State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The City State Bank of Fort Scott, KS against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 1.69% | 3.13% | -1.44% | 75th top |
| ROAE | 21.53% | 10.28% | +11.25% | 93rd top |
| Net Interest Margin | 4.15% | 3.94% | +0.21% | 62nd above |
| Efficiency Ratio | 55.99% | 76.35% | -20.36% | 78th top |
| PPNR / Avg Assets | 1.81% | 1.40% | +0.41% | 73rd above |
| Yield on Earning Assets | 5.37% | 5.35% | +0.02% | 56th above |
| Cost of Funds | 1.25% | 1.70% | -0.45% | 66th above |
| Net Interest Spread | 3.63% | 3.32% | +0.31% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 0.99% | 1.49% | -0.50% | 27th below |
| Texas Ratio | 0.00% | 8.28% | -8.28% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 8.92% | 17.66% | -8.74% | 9th bottom |
| Equity / Assets | 8.17% | 16.46% | -8.29% | 10th bottom |
| TCE / Tangible Assets | 8.17% | 16.20% | -8.03% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.08% | 72.83% | +0.25% | 42nd below |
| Core Deposit Ratio | 93.57% | 88.27% | +5.30% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.35% | 4.26% | +2.09% | 70th above |
| Loan Growth (Y/Y) | 13.71% | 6.74% | +6.97% | 85th top |
| Deposit Growth (Y/Y) | 6.19% | 3.72% | +2.47% | 71st above |
See The City State Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The 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 The City State Bank profile, how to read a UBPR, or how this data updates.