Benchmark Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Benchmark Bank of Plano, TX against its peer group of 941 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 | 1.60% | 1.34% | +0.26% | 70th above |
| ROAE | 20.50% | 12.34% | +8.16% | 90th top |
| Net Interest Margin | 4.13% | 3.83% | +0.30% | 76th top |
| Efficiency Ratio | 65.57% | 58.97% | +6.60% | 28th below |
| PPNR / Avg Assets | 1.97% | — | — | 65th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.71% | -0.08% | 56th above |
| Cost of Funds | 1.57% | 2.02% | -0.45% | 77th top |
| Net Interest Spread | 3.08% | — | — | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 0.87% | -0.69% | 80th top |
| NPA / Total Assets | 0.12% | — | — | 82nd top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 58th above |
| ACL / Total Loans | 1.10% | — | — | 43rd below |
| ACL / NPLs (Coverage) | 624.00% | — | — | 82nd top |
| Texas Ratio | 1.28% | 5.48% | -4.20% | 79th top |
| Provision / NCO | 4650.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.89% | 14.99% | -3.10% | 22nd bottom |
| Tier 1 Ratio | 11.89% | 15.02% | -3.13% | 21st bottom |
| Total Capital Ratio | 13.11% | — | — | 24th bottom |
| Leverage Ratio | 8.47% | 11.11% | -2.64% | 5th bottom |
| Equity / Assets | 8.39% | 11.02% | -2.63% | 11th bottom |
| TCE / Tangible Assets | 8.39% | — | — | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.83% | 86.99% | -14.16% | 81st top |
| Core Deposit Ratio | 96.92% | 85.57% | +11.35% | 93rd top |
| Uninsured Deposit Ratio | 61.13% | 33.19% | +27.94% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 30.33% | — | — | 95th top |
| Loan Growth (Y/Y) | 20.36% | — | — | 91st top |
| Deposit Growth (Y/Y) | 31.64% | — | — | 94th top |
See Benchmark Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Benchmark Bank, 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 Benchmark Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Benchmark Bank peer analysis.