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 Brook, IN against its peer group of 2603 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 | 1.10% | 1.34% | -0.24% | 39th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.74% | 13.32% | -0.58% | 52nd above |
| Net Interest Margin | 3.52% | 3.93% | -0.41% | 28th below |
| Efficiency Ratio | 54.77% | 61.13% | -6.36% | 70th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.59% | 1.68% | -0.09% | 50th above |
| Yield on Earning Assets | 5.92% | 5.67% | +0.25% | 65th above |
| Cost of Funds | 2.53% | 1.88% | +0.65% | 14th bottom |
| Net Interest Spread | 3.04% | 3.32% | -0.28% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.62% | 0.94% | -0.32% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.51% | 0.70% | -0.19% | 38th below |
| NCO / Avg Loans | -0.04% | 0.16% | -0.20% | 94th top |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 27th below |
| ACL / NPLs (Coverage) | 163.41% | 1546.36% | -1382.95% | 42nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.37% | 7.34% | -1.97% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.41% | 12.14% | -2.73% | 20th bottom |
| Equity / Assets | 8.64% | 11.37% | -2.73% | 22nd bottom |
| TCE / Tangible Assets | 8.64% | 11.08% | -2.44% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.29% | 80.66% | +17.63% | 13th bottom |
| Core Deposit Ratio | 55.94% | 86.85% | -30.91% | 1st bottom |
| Wholesale Funding Ratio | 6.82% | 5.04% | +1.78% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.18% | 6.84% | +4.34% | 86th top |
| Loan Growth (Y/Y) | 15.20% | 7.92% | +7.28% | 86th top |
| Deposit Growth (Y/Y) | 9.38% | 6.29% | +3.09% | 81st top |
See Community State Bank's peers by name
The 2603 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.