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 Paton, IA against its peer group of 578 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 Ahead of the peer average, behind the median peer. | 0.87% | 0.85% | +0.02% | 40th below |
| ROAE | 4.73% | 5.23% | -0.50% | 30th below |
| Net Interest Margin | 2.87% | 3.94% | -1.07% | 11th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 72.84% | 76.13% | -3.29% | 43rd below |
| PPNR / Avg Assets | 0.89% | — | — | 32nd below |
| Yield on Earning Assets | 3.98% | 5.42% | -1.44% | 12th bottom |
| Cost of Funds | 1.31% | 1.69% | -0.38% | 63rd above |
| Net Interest Spread | 2.25% | — | — | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.23% | -1.23% | 86th top |
| NPA / Total Assets | 0.00% | — | — | 83rd top |
| NCO / Avg Loans | -0.23% | 0.11% | -0.34% | 95th top |
| ACL / Total Loans | 0.39% | — | — | 1st bottom |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 39.93% | 25.12% | +14.81% | 72nd above |
| Tier 1 Ratio | 39.93% | 25.12% | +14.81% | 72nd above |
| Total Capital Ratio | 40.18% | — | — | 71st above |
| Leverage Ratio | 20.23% | 14.13% | +6.10% | 80th top |
| Equity / Assets | 18.78% | 13.07% | +5.71% | 77th top |
| TCE / Tangible Assets | 18.78% | — | — | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 39.56% | 68.58% | -29.02% | 84th top |
| Core Deposit Ratio | 96.02% | 88.79% | +7.23% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.37% | — | — | 21st bottom |
| Loan Growth (Y/Y) | -6.68% | — | — | 13th bottom |
| Deposit Growth (Y/Y) | -2.96% | — | — | 19th bottom |
See Community State Bank's peers by name
The 578 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.