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 Lamar, CO against its peer group of 2757 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 | 2.05% | 1.25% | +0.80% | 86th top |
| ROAE | 16.89% | 12.22% | +4.67% | 75th top |
| Net Interest Margin | 4.33% | 3.95% | +0.38% | 72nd above |
| Efficiency Ratio | 43.28% | 63.71% | -20.43% | 92nd top |
| PPNR / Avg Assets | 2.54% | — | — | 90th top |
| Yield on Earning Assets | 6.62% | 5.67% | +0.95% | 90th top |
| Cost of Funds | 2.59% | 1.87% | +0.72% | 13th bottom |
| Net Interest Spread | 3.43% | — | — | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.90% | 0.88% | +0.02% | 31st below |
| NPA / Total Assets | 0.75% | — | — | 28th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 78th top |
| ACL / Total Loans | 2.61% | — | — | 97th top |
| ACL / NPLs (Coverage) | 289.09% | — | — | 57th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.15% | 5.96% | -0.81% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.16% | 17.18% | -3.02% | 40th below |
| Tier 1 Ratio | 14.16% | 17.21% | -3.05% | 40th below |
| Total Capital Ratio | 15.42% | — | — | 42nd below |
| Leverage Ratio | 12.54% | 11.75% | +0.79% | 70th above |
| Equity / Assets | 12.38% | 10.98% | +1.40% | 74th above |
| TCE / Tangible Assets | 12.38% | — | — | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.02% | 80.44% | +16.58% | 15th bottom |
| Core Deposit Ratio | 73.57% | 86.95% | -13.38% | 8th bottom |
| Wholesale Funding Ratio | 1.83% | — | — | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.11% | — | — | 55th above |
| Loan Growth (Y/Y) | 11.05% | — | — | 76th top |
| Deposit Growth (Y/Y) | 2.75% | — | — | 41st below |
See Community State Bank's peers by name
The 2757 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.