American Bank of Commerce: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Bank of Commerce of Wolfforth, TX against its peer group of 927 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 | 1.02% | 1.46% | -0.44% | 30th below |
| ROAE | 13.31% | 12.69% | +0.62% | 58th above |
| Net Interest Margin | 3.49% | 3.85% | -0.36% | 35th below |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 57.48% | 57.40% | +0.08% | 53rd above |
| PPNR / Avg Assets | 1.44% | 1.88% | -0.44% | 33rd below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.62% | 5.72% | -0.10% | 55th above |
| Cost of Funds | 2.25% | 2.02% | +0.23% | 34th below |
| Net Interest Spread | 2.60% | 3.18% | -0.58% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 1.00% | -0.91% | 90th top |
| NPA / Total Assets | 0.09% | 0.76% | -0.67% | 87th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 72nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.31% | -0.10% | 61st above |
| ACL / NPLs (Coverage) | 1385.44% | 563.75% | +821.69% | — |
| Texas Ratio | 1.57% | 7.39% | -5.82% | 82nd top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 347.31% | 618.78% | -271.47% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.65% | 11.44% | -1.79% | 27th below |
| Equity / Assets | 7.92% | 11.34% | -3.42% | 7th bottom |
| TCE / Tangible Assets | 7.91% | 10.50% | -2.59% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 87.48% | 86.95% | +0.53% | 52nd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 85.93% | 85.55% | +0.38% | 37th below |
| Uninsured Deposit Ratio | 30.82% | 33.13% | -2.31% | 51st above |
| Wholesale Funding Ratio | 13.45% | 5.69% | +7.76% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.42% | 9.68% | +2.74% | 82nd top |
| Loan Growth (Y/Y) | 33.28% | 8.04% | +25.24% | 95th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.51% | 7.88% | -2.37% | 55th above |
See American Bank of Commerce's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Bank of Commerce, 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 American Bank of Commerce profile, how to read a UBPR, or how this data updates.