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 Royal Center, IN against its peer group of 2672 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 | 0.55% | 1.35% | -0.80% | 14th bottom |
| ROAE | 6.49% | 12.06% | -5.57% | 19th bottom |
| Net Interest Margin | 3.19% | 3.90% | -0.71% | 16th bottom |
| Efficiency Ratio | 79.91% | 63.14% | +16.77% | 14th bottom |
| PPNR / Avg Assets | 0.60% | 1.64% | -1.04% | 10th bottom |
| Yield on Earning Assets | 4.48% | 5.65% | -1.17% | 8th bottom |
| Cost of Funds | 1.35% | 1.85% | -0.50% | 78th top |
| Net Interest Spread | 2.93% | 3.35% | -0.42% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 0.92% | -0.55% | 52nd above |
| NPA / Total Assets | 0.20% | 0.67% | -0.47% | 59th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 39th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 297.48% | 1645.71% | -1348.23% | 60th above |
| Texas Ratio | 2.41% | 7.15% | -4.74% | 59th above |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.81% | 20.83% | -4.02% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.81% | 20.86% | -4.05% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.83% | 21.94% | -4.11% | 62nd above |
| Leverage Ratio | 10.48% | 12.46% | -1.98% | 41st below |
| Equity / Assets | 8.05% | 11.67% | -3.62% | 14th bottom |
| TCE / Tangible Assets | 7.82% | 11.40% | -3.58% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.69% | 78.65% | -18.96% | 84th top |
| Core Deposit Ratio | 91.84% | 87.09% | +4.75% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.92% | 6.48% | -4.56% | 32nd below |
| Loan Growth (Y/Y) | 9.63% | 7.64% | +1.99% | 72nd above |
| Deposit Growth (Y/Y) | 1.04% | 6.02% | -4.98% | 29th below |
See Community State Bank's peers by name
The 2672 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.