The Buckholts State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Buckholts State Bank of Buckholts, 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 | 2.91% | 1.34% | +1.57% | 97th top |
| ROAE | 16.65% | 12.05% | +4.60% | 74th above |
| Net Interest Margin | 4.49% | 3.90% | +0.59% | 79th top |
| Efficiency Ratio | 36.04% | 63.16% | -27.12% | 97th top |
| PPNR / Avg Assets | 2.91% | 1.64% | +1.27% | 95th top |
| Yield on Earning Assets | 5.51% | 5.65% | -0.14% | 46th below |
| Cost of Funds | 1.21% | 1.85% | -0.64% | 84th top |
| Net Interest Spread | 3.67% | 3.35% | +0.32% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.81% | 1.28% | -0.47% | 10th bottom |
| Texas Ratio | 0.07% | 7.15% | -7.08% | 88th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 28.11% | 20.82% | +7.29% | 91st top |
| Tier 1 Ratio | 28.11% | 20.86% | +7.25% | 91st top |
| Total Capital Ratio | 28.92% | 21.93% | +6.99% | 91st top |
| Leverage Ratio | 17.62% | 12.46% | +5.16% | 94th top |
| Equity / Assets | 17.48% | 11.67% | +5.81% | 94th top |
| TCE / Tangible Assets | 17.48% | 11.40% | +6.08% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.98% | 78.64% | -2.66% | 60th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.13% | 87.09% | +0.04% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.59% | 6.47% | +1.12% | 73rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.58% | 7.64% | -0.06% | 63rd above |
| Deposit Growth (Y/Y) | 7.04% | 6.02% | +1.02% | 71st above |
See The Buckholts State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Buckholts 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 The Buckholts State Bank profile, how to read a UBPR, or how this data updates.