The Bank and Trust, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank and Trust, SSB of Del Rio, 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 | 1.61% | 1.35% | +0.26% | 69th above |
| ROAE | 19.14% | 12.05% | +7.09% | 84th top |
| Net Interest Margin | 4.65% | 3.90% | +0.75% | 84th top |
| Efficiency Ratio | 70.50% | 63.15% | +7.35% | 27th below |
| PPNR / Avg Assets | 1.75% | 1.64% | +0.11% | 60th above |
| Yield on Earning Assets | 5.48% | 5.65% | -0.17% | 44th below |
| Cost of Funds | 0.84% | 1.85% | -1.01% | 94th top |
| Net Interest Spread | 4.15% | 3.35% | +0.80% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.92% | -0.83% | 74th above |
| NPA / Total Assets | 0.06% | 0.67% | -0.61% | 75th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 31st below |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 42nd below |
| ACL / NPLs (Coverage) | 1211.86% | 1645.32% | -433.46% | — |
| Texas Ratio | 0.71% | 7.15% | -6.44% | 77th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 755.88% | 1189.46% | -433.58% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.15% | 20.83% | -3.68% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.15% | 20.86% | -3.71% | 64th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.40% | 21.94% | -3.54% | 65th above |
| Leverage Ratio | 9.96% | 12.46% | -2.50% | 31st below |
| Equity / Assets | 8.59% | 11.67% | -3.08% | 21st bottom |
| TCE / Tangible Assets | 8.20% | 11.40% | -3.20% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.11% | 78.64% | -3.53% | 61st above |
| Core Deposit Ratio | 94.68% | 87.09% | +7.59% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.94% | 6.48% | -3.54% | 39th below |
| Loan Growth (Y/Y) | 10.70% | 7.64% | +3.06% | 76th top |
| Deposit Growth (Y/Y) | 2.05% | 6.02% | -3.97% | 35th below |
See The Bank and Trust, SSB's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank and Trust, 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 The Bank and Trust, SSB profile, how to read a UBPR, or how this data updates.