Bridge City State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bridge City State Bank of Bridge City, 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 | 1.06% | 1.34% | -0.28% | 36th below |
| ROAE | 13.46% | 13.31% | +0.15% | 57th above |
| Net Interest Margin | 3.65% | 3.93% | -0.28% | 34th below |
| Efficiency Ratio | 64.27% | 61.14% | +3.13% | 41st below |
| PPNR / Avg Assets | 1.24% | 1.68% | -0.44% | 30th below |
| Yield on Earning Assets | 5.03% | 5.67% | -0.64% | 25th below |
| Cost of Funds | 1.49% | 1.88% | -0.39% | 70th above |
| Net Interest Spread | 3.05% | 3.32% | -0.27% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.45% | 0.94% | -0.49% | 48th below |
| NPA / Total Assets | 0.24% | 0.70% | -0.46% | 56th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 86th top |
| ACL / Total Loans | 0.97% | 1.28% | -0.31% | 23rd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 217.30% | 1539.02% | -1321.72% | 50th above |
| Texas Ratio | 2.63% | 7.33% | -4.70% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.16% | 19.50% | +0.66% | 78th top |
| Tier 1 Ratio | 20.16% | 19.54% | +0.62% | 78th top |
| Total Capital Ratio | 21.03% | 20.62% | +0.41% | 77th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.71% | 12.14% | -0.43% | 61st above |
| Equity / Assets | 8.74% | 11.37% | -2.63% | 23rd bottom |
| TCE / Tangible Assets | 8.74% | 11.09% | -2.35% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.44% | 80.64% | -13.20% | 74th above |
| Core Deposit Ratio | 85.80% | 86.86% | -1.06% | 33rd below |
| Wholesale Funding Ratio | 9.73% | 5.03% | +4.70% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.72% | 6.85% | -4.13% | 37th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.79% | 7.90% | -0.11% | 64th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.34% | 6.29% | -1.95% | 52nd above |
See Bridge City State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bridge City State 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 Bridge City State Bank profile, how to read a UBPR, or how this data updates.