Community State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community State Bank of Hennessey, OK against its peer group of 578 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 | 0.82% | 0.85% | -0.03% | 38th below |
| ROAE | 11.03% | 5.23% | +5.80% | 62nd above |
| Net Interest Margin | 3.47% | 3.94% | -0.47% | 30th below |
| Efficiency Ratio | 79.78% | 76.13% | +3.65% | 30th below |
| PPNR / Avg Assets | 0.82% | — | — | 29th below |
| Yield on Earning Assets | 4.24% | 5.42% | -1.18% | 16th bottom |
| Cost of Funds | 0.80% | 1.69% | -0.89% | 87th top |
| Net Interest Spread | 3.03% | — | — | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.85% | 1.23% | +1.62% | 13th bottom |
| NPA / Total Assets | 0.88% | — | — | 25th below |
| NCO / Avg Loans | 0.18% | 0.11% | +0.07% | 11th bottom |
| ACL / Total Loans | 2.09% | — | — | 84th top |
| ACL / NPLs (Coverage) | 73.16% | — | — | 34th below |
| Texas Ratio | 10.73% | 7.23% | +3.50% | 16th bottom |
| Provision / NCO | 0.00% | — | — | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.40% | 25.12% | -4.72% | 45th below |
| Tier 1 Ratio | 20.40% | 25.12% | -4.72% | 45th below |
| Total Capital Ratio | 21.65% | — | — | 45th below |
| Leverage Ratio | 7.49% | 14.13% | -6.64% | 2nd bottom |
| Equity / Assets | 7.56% | 13.07% | -5.51% | 6th bottom |
| TCE / Tangible Assets | 7.56% | — | — | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 33.43% | 68.58% | -35.15% | 89th top |
| Core Deposit Ratio | 96.51% | 88.79% | +7.72% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.53% | — | — | 59th above |
| Loan Growth (Y/Y) | -3.55% | — | — | 23rd bottom |
| Deposit Growth (Y/Y) | 4.75% | — | — | 62nd above |
See Community State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community 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 Community State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Community State Bank peer analysis.