Atascosa Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Atascosa Bank of Pleasanton, TX against its peer group of 536 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 | 0.86% | 3.14% | -2.28% | 41st below |
| ROAE | 7.39% | 10.42% | -3.03% | 44th below |
| Net Interest Margin | 2.92% | 3.93% | -1.01% | 13th bottom |
| Efficiency Ratio | 62.51% | 76.33% | -13.82% | 65th above |
| PPNR / Avg Assets | 1.03% | 1.40% | -0.37% | 40th below |
| Yield on Earning Assets | 3.92% | 5.35% | -1.43% | 11th bottom |
| Cost of Funds | 1.13% | 1.71% | -0.58% | 73rd above |
| Net Interest Spread | 2.10% | 3.31% | -1.21% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.89% | 1.34% | +1.55% | 10th bottom |
| NPA / Total Assets | 1.01% | 0.71% | +0.30% | 20th bottom |
| NCO / Avg Loans | -0.87% | 0.11% | -0.98% | 100th top |
| ACL / Total Loans | 1.71% | 1.49% | +0.22% | 76th top |
| ACL / NPLs (Coverage) | 59.23% | 866.85% | -807.62% | 23rd bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 8.00% | 8.25% | -0.25% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 15.25% | 17.61% | -2.36% | 65th above |
| Equity / Assets | 12.21% | 16.43% | -4.22% | 48th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.21% | 16.18% | -3.97% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 29.09% | 72.93% | -43.84% | 92nd top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.94% | 88.21% | +2.73% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.03% | 4.33% | -11.36% | 8th bottom |
| Loan Growth (Y/Y) | -10.38% | 6.76% | -17.14% | 9th bottom |
| Deposit Growth (Y/Y) | -9.04% | 3.80% | -12.84% | 6th bottom |
See Atascosa Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Atascosa 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 Atascosa Bank profile, how to read a UBPR, or how this data updates.