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 Galva, IL 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 | 1.24% | 1.25% | -0.01% | 47th below |
| ROAE | 12.88% | 12.22% | +0.66% | 52nd above |
| Net Interest Margin | 3.92% | 3.95% | -0.03% | 48th below |
| Efficiency Ratio | 60.04% | 63.71% | -3.67% | 53rd above |
| PPNR / Avg Assets | 1.37% | — | — | 37th below |
| Yield on Earning Assets | 5.98% | 5.67% | +0.31% | 67th above |
| Cost of Funds | 2.19% | 1.87% | +0.32% | 26th below |
| Net Interest Spread | 3.33% | — | — | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.38% | 0.88% | +0.50% | 20th bottom |
| NPA / Total Assets | 0.94% | — | — | 21st bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 78th top |
| ACL / Total Loans | 1.45% | — | — | 75th top |
| ACL / NPLs (Coverage) | 104.99% | — | — | 28th below |
| Texas Ratio | 9.63% | 5.96% | +3.67% | 19th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.41% | 11.75% | -2.34% | 19th bottom |
| Equity / Assets | 9.32% | 10.98% | -1.66% | 32nd below |
| TCE / Tangible Assets | 8.86% | — | — | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.70% | 80.44% | -4.74% | 61st above |
| Core Deposit Ratio | 89.09% | 86.95% | +2.14% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 18.57% | — | — | 94th top |
| Loan Growth (Y/Y) | 15.15% | — | — | 86th top |
| Deposit Growth (Y/Y) | 20.30% | — | — | 94th 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.