Austin Bank, Texas N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Austin Bank, Texas N.A. of Jacksonville, TX against its peer group of 931 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 | 2.13% | 1.46% | +0.67% | 90th top |
| ROAE | 14.08% | 12.71% | +1.37% | 63rd above |
| Net Interest Margin | 5.34% | 3.85% | +1.49% | 96th top |
| Efficiency Ratio | 51.28% | 57.41% | -6.13% | 72nd above |
| PPNR / Avg Assets | 2.84% | 1.88% | +0.96% | 93rd top |
| Yield on Earning Assets | 6.53% | 5.72% | +0.81% | 89th top |
| Cost of Funds | 1.36% | 2.02% | -0.66% | 85th top |
| Net Interest Spread | 4.40% | 3.18% | +1.22% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.59% | 1.00% | -0.41% | 52nd above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.50% | 0.76% | -0.26% | 49th below |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 59th above |
| ACL / Total Loans | 1.46% | 1.31% | +0.15% | 84th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 246.26% | 543.74% | -297.48% | 63rd above |
| Texas Ratio | 3.19% | 7.39% | -4.20% | 64th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 393.58% | 618.95% | -225.37% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.12% | 11.43% | +3.69% | 93rd top |
| Equity / Assets | 15.14% | 11.33% | +3.81% | 94th top |
| TCE / Tangible Assets | 14.80% | 10.49% | +4.31% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.32% | 86.95% | +2.37% | 48th below |
| Core Deposit Ratio | 91.26% | 85.55% | +5.71% | 64th above |
| Uninsured Deposit Ratio | 26.04% | 33.13% | -7.09% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.52% | 9.69% | -3.17% | 59th above |
| Loan Growth (Y/Y) | 0.68% | 8.07% | -7.39% | 20th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.43% | 7.87% | -2.44% | 55th above |
See Austin Bank, Texas N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Austin Bank, Texas N.A., 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 Austin Bank, Texas N.A. profile, how to read a UBPR, or how this data updates.