Austin Capital Bank SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Austin Capital Bank SSB of Austin, 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 | 1.15% | 1.35% | -0.20% | 42nd below |
| ROAE | 11.06% | 12.05% | -0.99% | 42nd below |
| Net Interest Margin | 6.73% | 3.90% | +2.83% | 99th top |
| Efficiency Ratio | 84.41% | 63.14% | +21.27% | 10th bottom |
| PPNR / Avg Assets | 1.35% | 1.64% | -0.29% | 36th below |
| Yield on Earning Assets | 7.63% | 5.65% | +1.98% | 98th top |
| Cost of Funds | 0.98% | 1.85% | -0.87% | 92nd top |
| Net Interest Spread | 6.61% | 3.35% | +3.26% | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 0.92% | -0.62% | 57th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.32% | 0.67% | -0.35% | 49th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 84th top |
| ACL / Total Loans | 0.47% | 1.28% | -0.81% | 2nd bottom |
| ACL / NPLs (Coverage) | 156.59% | 1645.77% | -1489.18% | 41st below |
| Texas Ratio | 2.86% | 7.15% | -4.29% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 39.04% | 20.82% | +18.22% | 96th top |
| Tier 1 Ratio | 39.04% | 20.85% | +18.19% | 96th top |
| Total Capital Ratio | 40.29% | 21.92% | +18.37% | 96th top |
| Leverage Ratio | 10.22% | 12.46% | -2.24% | 36th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.94% | 11.67% | -0.73% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.94% | 11.40% | -0.46% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 110.64% | 78.63% | +32.01% | 3rd bottom |
| Core Deposit Ratio | 93.14% | 87.09% | +6.05% | 74th above |
| Wholesale Funding Ratio | 10.12% | 5.11% | +5.01% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -21.50% | 6.48% | -27.98% | 0th bottom |
| Loan Growth (Y/Y) | -22.52% | 7.65% | -30.17% | 0th bottom |
| Deposit Growth (Y/Y) | -28.43% | 6.04% | -34.47% | 0th bottom |
See Austin Capital Bank SSB's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Austin Capital Bank SSB, 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 Capital Bank SSB profile, how to read a UBPR, or how this data updates.