American State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American State Bank of Arp, TX 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 | 0.36% | 1.35% | -0.99% | 9th bottom |
| ROAE | 3.05% | 12.06% | -9.01% | 9th bottom |
| Net Interest Margin | 3.06% | 3.90% | -0.84% | 11th bottom |
| Efficiency Ratio | 85.91% | 63.14% | +22.77% | 9th bottom |
| PPNR / Avg Assets | 0.46% | 1.64% | -1.18% | 7th bottom |
| Yield on Earning Assets | 5.74% | 5.65% | +0.09% | 56th above |
| Cost of Funds | 2.81% | 1.85% | +0.96% | 8th bottom |
| Net Interest Spread | 2.52% | 3.35% | -0.83% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.14% | 0.92% | +1.22% | 12th bottom |
| NPA / Total Assets | 2.78% | 0.67% | +2.11% | 4th bottom |
| NCO / Avg Loans | 0.34% | 0.14% | +0.20% | 9th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.28% | -0.09% | 50th above |
| ACL / NPLs (Coverage) | 55.81% | 1645.82% | -1590.01% | 13th bottom |
| Texas Ratio | 22.86% | 7.14% | +15.72% | 6th bottom |
| Provision / NCO | 27.40% | 1189.90% | -1162.50% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.41% | 20.83% | -6.42% | 43rd below |
| Tier 1 Ratio | 14.41% | 20.87% | -6.46% | 43rd below |
| Total Capital Ratio | 15.59% | 21.94% | -6.35% | 43rd below |
| Leverage Ratio | 10.91% | 12.46% | -1.55% | 49th below |
| Equity / Assets | 12.07% | 11.67% | +0.40% | 71st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.39% | 11.40% | -0.01% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.43% | 78.64% | +6.79% | 39th below |
| Core Deposit Ratio | 89.32% | 87.09% | +2.23% | 51st above |
| Wholesale Funding Ratio | 3.14% | 5.11% | -1.97% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.61% | 6.48% | -10.09% | 7th bottom |
| Loan Growth (Y/Y) | -7.61% | 7.65% | -15.26% | 4th bottom |
| Deposit Growth (Y/Y) | -1.77% | 6.03% | -7.80% | 14th bottom |
See American State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American 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 American State Bank profile, how to read a UBPR, or how this data updates.