Boc Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Boc Bank of McLean, TX against its peer group of 2757 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 | 1.76% | 1.25% | +0.51% | 76th top |
| ROAE | 14.70% | 12.22% | +2.48% | 64th above |
| Net Interest Margin | 4.31% | 3.95% | +0.36% | 70th above |
| Efficiency Ratio | 59.68% | 63.71% | -4.03% | 54th above |
| PPNR / Avg Assets | 1.76% | — | — | 60th above |
| Yield on Earning Assets | 6.32% | 5.67% | +0.65% | 81st top |
| Cost of Funds | 2.26% | 1.87% | +0.39% | 23rd bottom |
| Net Interest Spread | 3.25% | — | — | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.49% | — | — | 78th top |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.02% | 17.18% | -1.16% | 57th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.02% | 17.21% | -1.19% | 57th above |
| Total Capital Ratio | 17.27% | — | — | 58th above |
| Leverage Ratio | 12.41% | 11.75% | +0.66% | 69th above |
| Equity / Assets | 12.67% | 10.98% | +1.69% | 76th top |
| TCE / Tangible Assets | 12.67% | — | — | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.88% | 80.44% | +5.44% | 38th below |
| Core Deposit Ratio | 92.99% | 86.95% | +6.04% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.00% | — | — | 46th below |
| Loan Growth (Y/Y) | 2.82% | — | — | 35th below |
| Deposit Growth (Y/Y) | 3.57% | — | — | 46th below |
See Boc Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Boc 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 Boc 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 Boc Bank peer analysis.