The Community State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Community State Bank of Poteau, OK against its peer group of 2601 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 | 0.85% | 1.35% | -0.50% | 26th below |
| ROAE | 11.83% | 13.32% | -1.49% | 47th below |
| Net Interest Margin | 4.69% | 3.93% | +0.76% | 85th top |
| Efficiency Ratio | 77.84% | 61.12% | +16.72% | 16th bottom |
| PPNR / Avg Assets | 1.10% | 1.68% | -0.58% | 25th below |
| Yield on Earning Assets | 6.58% | 5.67% | +0.91% | 89th top |
| Cost of Funds | 1.95% | 1.88% | +0.07% | 40th below |
| Net Interest Spread | 3.88% | 3.32% | +0.56% | 79th top |
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 | 0.27% | 0.70% | -0.43% | 54th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.16% | -0.06% | 19th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 53rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 466.93% | 1546.56% | -1079.63% | 69th above |
| Texas Ratio | 3.36% | 7.34% | -3.98% | 51st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 172.84% | 1395.55% | -1222.71% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.05% | 12.14% | -3.09% | 13th bottom |
| Equity / Assets | 7.22% | 11.37% | -4.15% | 8th bottom |
| TCE / Tangible Assets | 7.07% | 11.09% | -4.02% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.30% | 80.66% | -0.36% | 51st above |
| Core Deposit Ratio | 86.42% | 86.85% | -0.43% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.70% | 6.84% | +2.86% | 82nd top |
| Loan Growth (Y/Y) | 10.37% | 7.92% | +2.45% | 75th top |
| Deposit Growth (Y/Y) | 8.79% | 6.29% | +2.50% | 79th top |
See The Community State Bank's peers by name
The 2601 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The 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 The Community State Bank profile, how to read a UBPR, or how this data updates.