Bank of South Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of South Texas of McAllen, 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 Behind the peer average, ahead of the median peer. | 1.33% | 1.35% | -0.02% | 54th above |
| ROAE | 7.34% | 12.06% | -4.72% | 22nd bottom |
| Net Interest Margin | 7.07% | 3.90% | +3.17% | 100th top |
| Efficiency Ratio | 75.14% | 63.14% | +12.00% | 19th bottom |
| PPNR / Avg Assets | 1.67% | 1.64% | +0.03% | 55th above |
| Yield on Earning Assets | 8.81% | 5.65% | +3.16% | 99th top |
| Cost of Funds | 1.94% | 1.85% | +0.09% | 41st below |
| Net Interest Spread | 5.93% | 3.35% | +2.58% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.92% | -0.70% | 63rd above |
| NPA / Total Assets | 0.16% | 0.67% | -0.51% | 64th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 44th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 533.21% | 1645.61% | -1112.40% | 72nd above |
| Texas Ratio | 0.96% | 7.15% | -6.19% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.63% | 12.46% | +4.17% | 92nd top |
| Equity / Assets | 18.18% | 11.67% | +6.51% | 95th top |
| TCE / Tangible Assets | 16.52% | 11.40% | +5.12% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.22% | 78.64% | +10.58% | 30th below |
| Core Deposit Ratio | 77.55% | 87.10% | -9.55% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.48% | 6.47% | +2.01% | 77th top |
| Loan Growth (Y/Y) | 13.27% | 7.64% | +5.63% | 83rd top |
| Deposit Growth (Y/Y) | 8.97% | 6.02% | +2.95% | 79th top |
See Bank of South Texas's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of South 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 Bank of South Texas profile, how to read a UBPR, or how this data updates.