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 Bradley, AR 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 | 1.01% | 3.14% | -2.13% | 48th below |
| ROAE Behind the peer average, ahead of the median peer. | 9.82% | 10.42% | -0.60% | 57th above |
| Net Interest Margin | 4.53% | 3.93% | +0.60% | 76th top |
| Efficiency Ratio | 64.76% | 76.33% | -11.57% | 62nd above |
| PPNR / Avg Assets | 1.62% | 1.40% | +0.22% | 66th above |
| Yield on Earning Assets | 7.35% | 5.35% | +2.00% | 96th top |
| Cost of Funds | 3.01% | 1.70% | +1.31% | 8th bottom |
| Net Interest Spread | 3.84% | 3.31% | +0.53% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.89% | 1.49% | -0.60% | 19th bottom |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.98% | 17.62% | -7.64% | 18th bottom |
| Equity / Assets | 10.18% | 16.44% | -6.26% | 28th below |
| TCE / Tangible Assets | 9.80% | 16.19% | -6.39% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.29% | 72.75% | +30.54% | 7th bottom |
| Core Deposit Ratio | 82.65% | 88.23% | -5.58% | 17th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.46% | 5.28% | -0.82% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 21.95% | 4.26% | +17.69% | 96th top |
| Loan Growth (Y/Y) | 20.40% | 6.69% | +13.71% | 91st top |
| Deposit Growth (Y/Y) | 18.06% | 3.73% | +14.33% | 95th top |
See Community State Bank's peers by name
The 536 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.