Commercial State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commercial State Bank of Wausa, NE against its peer group of 2603 similarly-sized US banks as of Q3 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 | 1.73% | 1.25% | +0.48% | 64th above |
| ROAE | 18.18% | 13.21% | +4.97% | 75th top |
| Net Interest Margin Ahead of the peer average, behind the median peer. | 3.96% | 3.95% | +0.01% | 47th below |
| Efficiency Ratio | 53.60% | 61.29% | -7.69% | 63rd above |
| PPNR / Avg Assets | 1.89% | — | — | 58th above |
| Yield on Earning Assets | 6.56% | 5.68% | +0.88% | 85th top |
| Cost of Funds | 2.87% | 1.88% | +0.99% | 5th bottom |
| Net Interest Spread | 3.37% | — | — | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.93% | -0.82% | 68th above |
| NPA / Total Assets | 0.10% | — | — | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 47th below |
| ACL / Total Loans | 1.14% | — | — | 44th below |
| ACL / NPLs (Coverage) | 1000.80% | — | — | — |
| Texas Ratio | 0.90% | 7.37% | -6.47% | 69th above |
| Provision / NCO | 211.11% | — | — | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.81% | 11.73% | -1.92% | 21st bottom |
| Equity / Assets | 9.69% | 10.97% | -1.28% | 45th below |
| TCE / Tangible Assets | 9.69% | — | — | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.01% | 80.71% | +13.30% | 13th bottom |
| Core Deposit Ratio | 77.04% | 86.89% | -9.85% | 6th bottom |
| Wholesale Funding Ratio | 0.01% | — | — | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.14% | — | — | 61st above |
| Loan Growth (Y/Y) | 6.27% | — | — | 55th above |
| Deposit Growth (Y/Y) | 4.68% | — | — | 54th above |
See Commercial State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commercial 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 Commercial State Bank profile, how to read a UBPR, or how this data updates.