CS Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks CS Bank of Eureka Springs, AR 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 | 2.16% | 1.25% | +0.91% | 89th top |
| ROAE | 18.25% | 12.22% | +6.03% | 80th top |
| Net Interest Margin | 4.90% | 3.95% | +0.95% | 90th top |
| Efficiency Ratio | 56.94% | 63.71% | -6.77% | 63rd above |
| PPNR / Avg Assets | 2.35% | — | — | 85th top |
| Yield on Earning Assets | 7.06% | 5.67% | +1.39% | 95th top |
| Cost of Funds | 2.37% | 1.87% | +0.50% | 18th bottom |
| Net Interest Spread | 4.45% | — | — | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.37% | 0.88% | +0.49% | 20th bottom |
| NPA / Total Assets | 1.19% | — | — | 16th bottom |
| NCO / Avg Loans | 0.20% | 0.15% | +0.05% | 12th bottom |
| ACL / Total Loans | 1.74% | — | — | 88th top |
| ACL / NPLs (Coverage) | 127.36% | — | — | 34th below |
| Texas Ratio | 7.70% | 5.96% | +1.74% | 24th bottom |
| Provision / NCO | 111.52% | — | — | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.97% | 11.75% | +0.22% | 64th above |
| Equity / Assets | 11.90% | 10.98% | +0.92% | 70th above |
| TCE / Tangible Assets | 11.90% | — | — | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.12% | 80.44% | +28.68% | 4th bottom |
| Core Deposit Ratio | 80.88% | 86.95% | -6.07% | 19th bottom |
| Wholesale Funding Ratio | 9.26% | — | — | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.83% | — | — | 60th above |
| Loan Growth (Y/Y) | 9.43% | — | — | 71st above |
| Deposit Growth (Y/Y) | 3.63% | — | — | 47th below |
See CS Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock CS 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 CS 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 CS Bank peer analysis.