Bank of Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Texas of Midland, 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 | 1.53% | 1.34% | +0.19% | 65th above |
| ROAE | 11.93% | 13.32% | -1.39% | 48th below |
| Net Interest Margin | 3.42% | 3.93% | -0.51% | 25th below |
| Efficiency Ratio | 42.45% | 61.14% | -18.69% | 93rd top |
| PPNR / Avg Assets | 1.98% | 1.68% | +0.30% | 71st above |
| Yield on Earning Assets | 5.82% | 5.67% | +0.15% | 60th above |
| Cost of Funds | 2.78% | 1.88% | +0.90% | 9th bottom |
| Net Interest Spread | 2.27% | 3.32% | -1.05% | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.48% | 0.94% | -0.46% | 46th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.35% | 0.70% | -0.35% | 47th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 75th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 300.90% | 1546.84% | -1245.94% | 60th above |
| Texas Ratio | 2.51% | 7.34% | -4.83% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.09% | 19.49% | -4.40% | 50th above |
| Tier 1 Ratio | 15.09% | 19.52% | -4.43% | 49th below |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.33% | 20.61% | -4.28% | 51st above |
| Leverage Ratio | 13.01% | 12.14% | +0.87% | 75th top |
| Equity / Assets | 12.91% | 11.36% | +1.55% | 78th top |
| TCE / Tangible Assets | 12.87% | 11.08% | +1.79% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.69% | 80.66% | +6.03% | 36th below |
| Core Deposit Ratio | 57.19% | 86.86% | -29.67% | 1st bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.83% | 5.04% | -1.21% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.83% | 6.84% | -3.01% | 46th below |
| Loan Growth (Y/Y) | -2.16% | 7.92% | -10.08% | 14th bottom |
| Deposit Growth (Y/Y) | 9.64% | 6.29% | +3.35% | 81st top |
See Bank of Texas's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of 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 Texas profile, how to read a UBPR, or how this data updates.