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 Union Grove, WI against its peer group of 2672 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 | 1.67% | 1.25% | +0.42% | 54th above |
| ROAE | 30.50% | 13.24% | +17.26% | 100th top |
| Net Interest Margin Ahead of the peer average, behind the median peer. | 3.96% | 3.95% | +0.01% | 43rd below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 60.06% | 61.22% | -1.16% | 41st below |
| PPNR / Avg Assets | 1.67% | — | — | 36th below |
| Yield on Earning Assets | 4.67% | 5.68% | -1.01% | 15th bottom |
| Cost of Funds | 0.77% | 1.88% | -1.11% | 92nd top |
| Net Interest Spread | 3.51% | — | — | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 0.94% | -0.66% | 51st above |
| NPA / Total Assets | 0.15% | — | — | 56th above |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 90th top |
| ACL / Total Loans | 1.53% | — | — | 69th above |
| ACL / NPLs (Coverage) | 547.98% | — | — | 68th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.44% | 7.40% | -4.96% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.43% | 11.73% | -2.30% | 7th bottom |
| Equity / Assets | 5.41% | 10.96% | -5.55% | 2nd bottom |
| TCE / Tangible Assets | 5.41% | — | — | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.30% | 80.60% | -22.30% | 74th above |
| Core Deposit Ratio | 98.05% | 86.92% | +11.13% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.64% | — | — | 80th top |
| Loan Growth (Y/Y) | 9.36% | — | — | 70th above |
| Deposit Growth (Y/Y) | 9.69% | — | — | 82nd top |
See Community State Bank's peers by name
The 2672 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.