Austin County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Austin County State Bank of Bellville, TX against its peer group of 2603 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 | 1.85% | 1.34% | +0.51% | 81st top |
| ROAE | 20.32% | 13.32% | +7.00% | 88th top |
| Net Interest Margin | 5.11% | 3.93% | +1.18% | 94th top |
| Efficiency Ratio | 48.88% | 61.14% | -12.26% | 83rd top |
| PPNR / Avg Assets | 2.68% | 1.68% | +1.00% | 92nd top |
| Yield on Earning Assets | 6.70% | 5.67% | +1.03% | 91st top |
| Cost of Funds | 1.71% | 1.88% | -0.17% | 56th above |
| Net Interest Spread | 4.50% | 3.32% | +1.18% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.94% | -0.92% | 82nd top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 84th top |
| NCO / Avg Loans | -0.06% | 0.16% | -0.22% | 95th top |
| ACL / Total Loans | 1.79% | 1.28% | +0.51% | 90th top |
| ACL / NPLs (Coverage) | 8778.75% | 1541.96% | +7236.79% | — |
| Texas Ratio | 2.55% | 7.34% | -4.79% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.55% | 12.14% | -2.59% | 23rd bottom |
| Equity / Assets | 9.04% | 11.37% | -2.33% | 28th below |
| TCE / Tangible Assets | 9.04% | 11.08% | -2.04% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.94% | 80.66% | -0.72% | 51st above |
| Core Deposit Ratio | 85.56% | 86.85% | -1.29% | 32nd below |
| Wholesale Funding Ratio | 0.19% | 5.04% | -4.85% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 28.33% | 6.83% | +21.50% | 97th top |
| Loan Growth (Y/Y) | 17.85% | 7.91% | +9.94% | 90th top |
| Deposit Growth (Y/Y) | 30.19% | 6.28% | +23.91% | 97th top |
See Austin County State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Austin County 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 Austin County State Bank profile, how to read a UBPR, or how this data updates.