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 Republican City, NE against its peer group of 536 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. | 1.65% | 3.33% | -1.68% | 74th above |
| ROAE | 6.45% | 8.29% | -1.84% | 38th below |
| Net Interest Margin | 3.06% | 3.93% | -0.87% | 15th bottom |
| Efficiency Ratio | 26.01% | 84.57% | -58.56% | 98th top |
| PPNR / Avg Assets | 2.00% | 1.56% | +0.44% | 79th top |
| Yield on Earning Assets | 4.91% | 5.24% | -0.33% | 37th below |
| Cost of Funds | 2.59% | 1.67% | +0.92% | 14th bottom |
| Net Interest Spread | 2.20% | 3.30% | -1.10% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 85th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.53% | -0.28% | 51st above |
| Texas Ratio | 0.00% | 8.57% | -8.57% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 28.59% | 22.07% | +6.52% | 87th top |
| Equity / Assets | 26.36% | 20.72% | +5.64% | 86th top |
| TCE / Tangible Assets | 26.36% | 20.47% | +5.89% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 39.44% | 74.32% | -34.88% | 84th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.04% | 88.30% | +1.74% | 41st below |
| Wholesale Funding Ratio | 6.91% | 5.31% | +1.60% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.62% | 3.83% | -5.45% | 23rd bottom |
| Loan Growth (Y/Y) | -3.69% | 6.87% | -10.56% | 24th bottom |
| Deposit Growth (Y/Y) | -1.33% | 2.98% | -4.31% | 27th below |
See Commercial State Bank's peers by name
The 536 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.