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 Avilla, IN 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 | 1.21% | 1.25% | -0.04% | 45th below |
| ROAE | 14.03% | 13.17% | +0.86% | 60th above |
| Net Interest Margin | 3.68% | 3.95% | -0.27% | 35th below |
| Efficiency Ratio | 57.58% | 61.50% | -3.92% | 60th above |
| PPNR / Avg Assets | 1.62% | — | — | 51st above |
| Yield on Earning Assets | 5.48% | 5.67% | -0.19% | 44th below |
| Cost of Funds | 1.93% | 1.87% | +0.06% | 41st below |
| Net Interest Spread | 2.94% | — | — | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.44% | 0.93% | +0.51% | 20th bottom |
| NPA / Total Assets | 1.04% | — | — | 20th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.26% | — | — | 57th above |
| ACL / NPLs (Coverage) | 87.68% | — | — | 24th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.50% | 6.06% | -2.56% | 44th below |
| Provision / NCO | 2062.50% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.34% | 17.18% | -3.84% | 32nd below |
| Tier 1 Ratio | 13.34% | 17.21% | -3.87% | 31st below |
| Total Capital Ratio | 14.59% | — | — | 33rd below |
| Leverage Ratio | 9.51% | 11.75% | -2.24% | 21st bottom |
| Equity / Assets | 8.91% | 10.98% | -2.07% | 25th below |
| TCE / Tangible Assets | 8.91% | — | — | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.48% | 80.44% | -0.96% | 53rd above |
| Core Deposit Ratio | 91.50% | 86.95% | +4.55% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.89% | — | — | 85th top |
| Loan Growth (Y/Y) | 2.88% | — | — | 35th below |
| Deposit Growth (Y/Y) | 11.09% | — | — | 85th top |
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.