Bank of Erath: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Erath of Erath, LA 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 | -0.07% | 1.35% | -1.42% | 4th bottom |
| ROAE | -0.53% | 12.06% | -12.59% | 4th bottom |
| Net Interest Margin | 4.13% | 3.90% | +0.23% | 61st above |
| Efficiency Ratio | 97.57% | 63.14% | +34.43% | 3rd bottom |
| PPNR / Avg Assets | 0.07% | 1.64% | -1.57% | 3rd bottom |
| Yield on Earning Assets | 5.10% | 5.65% | -0.55% | 27th below |
| Cost of Funds | 1.08% | 1.85% | -0.77% | 88th top |
| Net Interest Spread | 3.24% | 3.35% | -0.11% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.47% | 0.92% | -0.45% | 47th below |
| NPA / Total Assets | 0.19% | 0.67% | -0.48% | 60th above |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 92nd top |
| ACL / Total Loans | 1.60% | 1.28% | +0.32% | 84th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 341.67% | 1645.69% | -1304.02% | 63rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.87% | 7.15% | -2.28% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.39% | 12.46% | +1.93% | 83rd top |
| Equity / Assets | 13.55% | 11.67% | +1.88% | 82nd top |
| TCE / Tangible Assets | 13.55% | 11.40% | +2.15% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 48.19% | 78.65% | -30.46% | 92nd top |
| Core Deposit Ratio | 92.77% | 87.09% | +5.68% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.56% | 6.48% | -7.04% | 16th bottom |
| Loan Growth (Y/Y) | -22.69% | 7.65% | -30.34% | 0th bottom |
| Deposit Growth (Y/Y) | -1.24% | 6.03% | -7.27% | 17th bottom |
See Bank of Erath's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Erath, 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 Bank of Erath profile, how to read a UBPR, or how this data updates.