Community State Bank of Missouri: 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 Missouri of Bowling Green, MO against its peer group of 2603 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 | 1.85% | 1.34% | +0.51% | 81st top |
| ROAE | 17.51% | 13.32% | +4.19% | 78th top |
| Net Interest Margin | 3.72% | 3.93% | -0.21% | 38th below |
| Efficiency Ratio | 51.74% | 61.13% | -9.39% | 77th top |
| PPNR / Avg Assets | 1.82% | 1.68% | +0.14% | 64th above |
| Yield on Earning Assets | 5.42% | 5.67% | -0.25% | 41st below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.83% | 1.88% | -0.05% | 48th below |
| Net Interest Spread | 3.20% | 3.32% | -0.12% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.94% | -0.68% | 60th above |
| NPA / Total Assets | 0.18% | 0.70% | -0.52% | 61st above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.73% | 1.28% | -0.55% | 8th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 282.92% | 1546.57% | -1263.65% | 58th above |
| Texas Ratio | 1.58% | 7.34% | -5.76% | 67th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 300.00% | 1395.40% | -1095.40% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.02% | 12.14% | -1.12% | 51st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.92% | 11.36% | -0.44% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.92% | 11.08% | -0.16% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.80% | 80.66% | -1.86% | 54th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.07% | 86.85% | +0.22% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.73% | 6.84% | -3.11% | 45th below |
| Loan Growth (Y/Y) | 2.22% | 7.92% | -5.70% | 32nd below |
| Deposit Growth (Y/Y) | 3.53% | 6.29% | -2.76% | 47th below |
See Community State Bank of Missouri's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community State Bank of Missouri, 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 of Missouri profile, how to read a UBPR, or how this data updates.