The Bank of the West: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of the West of Thomas, OK 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 | 1.92% | 1.34% | +0.58% | 83rd top |
| ROAE | 18.32% | 13.32% | +5.00% | 81st top |
| Net Interest Margin | 4.40% | 3.93% | +0.47% | 75th top |
| Efficiency Ratio | 57.57% | 61.13% | -3.56% | 61st above |
| PPNR / Avg Assets | 1.92% | 1.68% | +0.24% | 69th above |
| Yield on Earning Assets | 6.40% | 5.67% | +0.73% | 84th top |
| Cost of Funds | 2.19% | 1.88% | +0.31% | 27th below |
| Net Interest Spread | 3.52% | 3.32% | +0.20% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.03% | 0.94% | +2.09% | 6th bottom |
| NPA / Total Assets | 2.13% | 0.70% | +1.43% | 7th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.74% | 1.28% | +0.46% | 88th top |
| ACL / NPLs (Coverage) | 57.59% | 1546.42% | -1488.83% | 13th bottom |
| Texas Ratio | 18.46% | 7.33% | +11.13% | 9th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.72% | 19.49% | -6.77% | 24th bottom |
| Tier 1 Ratio | 12.72% | 19.52% | -6.80% | 24th bottom |
| Total Capital Ratio | 13.97% | 20.61% | -6.64% | 26th below |
| Leverage Ratio | 10.49% | 12.14% | -1.65% | 41st below |
| Equity / Assets | 10.29% | 11.36% | -1.07% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.29% | 11.08% | -0.79% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.83% | 80.66% | -1.83% | 54th above |
| Core Deposit Ratio | 89.99% | 86.85% | +3.14% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.25% | 6.84% | +1.41% | 76th top |
| Loan Growth (Y/Y) | 1.12% | 7.92% | -6.80% | 27th below |
| Deposit Growth (Y/Y) | 10.74% | 6.29% | +4.45% | 85th top |
See The Bank of the West's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of the West, 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 the West profile, how to read a UBPR, or how this data updates.