The Bank of San Jacinto County, Coldspring, Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of San Jacinto County, Coldspring, Texas of Coldspring, TX against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 1.71% | 3.14% | -1.43% | 76th top |
| ROAE | 11.33% | 10.42% | +0.91% | 65th above |
| Net Interest Margin | 4.80% | 3.93% | +0.87% | 82nd top |
| Efficiency Ratio | 67.31% | 76.31% | -9.00% | 55th above |
| PPNR / Avg Assets | 1.71% | 1.40% | +0.31% | 70th above |
| Yield on Earning Assets | 4.93% | 5.35% | -0.42% | 38th below |
| Cost of Funds | 0.13% | 1.71% | -1.58% | 98th top |
| Net Interest Spread | 4.44% | 3.31% | +1.13% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.83% | 1.49% | +0.34% | 79th top |
| Texas Ratio | 0.00% | 8.26% | -8.26% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.77% | 17.60% | +0.17% | 75th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 15.80% | 16.42% | -0.62% | 70th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 15.80% | 16.17% | -0.37% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 35.11% | 72.87% | -37.76% | 88th top |
| Core Deposit Ratio | 97.51% | 88.20% | +9.31% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.32% | 4.31% | -9.63% | 11th bottom |
| Loan Growth (Y/Y) | -6.43% | 6.74% | -13.17% | 16th bottom |
| Deposit Growth (Y/Y) | -7.80% | 3.78% | -11.58% | 7th bottom |
See The Bank of San Jacinto County, Coldspring, Texas's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of San Jacinto County, Coldspring, Texas, 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 of San Jacinto County, Coldspring, Texas profile, how to read a UBPR, or how this data updates.