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 Spencer, IA 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 | 1.66% | 1.25% | +0.41% | 72nd above |
| ROAE | 20.30% | 13.17% | +7.13% | 88th top |
| Net Interest Margin | 3.47% | 3.95% | -0.48% | 25th below |
| Efficiency Ratio | 46.82% | 61.50% | -14.68% | 87th top |
| PPNR / Avg Assets | 1.71% | — | — | 57th above |
| Yield on Earning Assets | 5.00% | 5.67% | -0.67% | 23rd bottom |
| Cost of Funds | 1.67% | 1.87% | -0.20% | 58th above |
| Net Interest Spread | 2.93% | — | — | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 0.93% | -0.56% | 53rd above |
| NPA / Total Assets | 0.43% | — | — | 42nd below |
| NCO / Avg Loans | -0.08% | 0.15% | -0.23% | 96th top |
| ACL / Total Loans | 1.37% | — | — | 70th above |
| ACL / NPLs (Coverage) | 375.30% | — | — | 65th above |
| Texas Ratio | 7.69% | 6.06% | +1.63% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.47% | 11.75% | -1.28% | 40th below |
| Equity / Assets | 8.46% | 10.98% | -2.52% | 19th bottom |
| TCE / Tangible Assets | 7.48% | — | — | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.67% | 80.44% | -26.77% | 89th top |
| Core Deposit Ratio | 81.08% | 86.95% | -5.87% | 19th bottom |
| Wholesale Funding Ratio | 5.40% | — | — | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.49% | — | — | 77th top |
| Loan Growth (Y/Y) | 0.71% | — | — | 25th below |
| Deposit Growth (Y/Y) | 6.79% | — | — | 69th above |
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.