Commercial Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commercial Savings Bank of Carroll, 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 | 2.14% | 1.35% | +0.79% | 89th top |
| ROAE | 26.17% | 12.05% | +14.12% | 96th top |
| Net Interest Margin | 3.67% | 3.90% | -0.23% | 35th below |
| Efficiency Ratio | 41.89% | 63.16% | -21.27% | 93rd top |
| PPNR / Avg Assets | 2.24% | 1.64% | +0.60% | 81st top |
| Yield on Earning Assets | 5.66% | 5.65% | +0.01% | 53rd above |
| Cost of Funds | 2.13% | 1.85% | +0.28% | 30th below |
| Net Interest Spread | 3.11% | 3.35% | -0.24% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.92% | -0.91% | 84th top |
| NPA / Total Assets | 0.01% | 0.67% | -0.66% | 84th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 43rd below |
| ACL / Total Loans | 0.90% | 1.28% | -0.38% | 17th bottom |
| ACL / NPLs (Coverage) | 6813.16% | 1642.94% | +5170.22% | — |
| Texas Ratio | 9.33% | 7.15% | +2.18% | 24th bottom |
| Provision / NCO | 3300.00% | 1187.93% | +2112.07% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.62% | 20.84% | -9.22% | 13th bottom |
| Tier 1 Ratio | 11.62% | 20.87% | -9.25% | 13th bottom |
| Total Capital Ratio | 12.66% | 21.94% | -9.28% | 13th bottom |
| Leverage Ratio | 8.44% | 12.47% | -4.03% | 6th bottom |
| Equity / Assets | 8.04% | 11.67% | -3.63% | 14th bottom |
| TCE / Tangible Assets | 8.04% | 11.40% | -3.36% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.21% | 78.64% | +19.57% | 14th bottom |
| Core Deposit Ratio | 80.43% | 87.10% | -6.67% | 17th bottom |
| Wholesale Funding Ratio | 7.63% | 5.11% | +2.52% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.87% | 6.47% | +5.40% | 87th top |
| Loan Growth (Y/Y) | 17.37% | 7.64% | +9.73% | 89th top |
| Deposit Growth (Y/Y) | 14.56% | 6.02% | +8.54% | 90th top |
See Commercial Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commercial Savings 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 Commercial Savings Bank profile, how to read a UBPR, or how this data updates.