Capital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Capital Bank of Houston, 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 | 1.79% | 1.25% | +0.54% | 77th top |
| ROAE | 17.33% | 12.22% | +5.11% | 77th top |
| Net Interest Margin | 5.13% | 3.95% | +1.18% | 94th top |
| Efficiency Ratio | 54.72% | 63.71% | -8.99% | 70th above |
| PPNR / Avg Assets | 2.42% | — | — | 87th top |
| Yield on Earning Assets | 6.56% | 5.67% | +0.89% | 88th top |
| Cost of Funds | 1.58% | 1.87% | -0.29% | 64th above |
| Net Interest Spread | 3.96% | — | — | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.88% | -0.87% | 86th top |
| NPA / Total Assets | 0.01% | — | — | 86th top |
| NCO / Avg Loans | 0.19% | 0.15% | +0.04% | 13th bottom |
| ACL / Total Loans | 1.15% | — | — | 44th below |
| ACL / NPLs (Coverage) | 14472.34% | — | — | — |
| Texas Ratio | 0.06% | 5.96% | -5.90% | 86th top |
| Provision / NCO | 98.18% | — | — | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.14% | 17.18% | -4.04% | 30th below |
| Tier 1 Ratio | 13.14% | 17.21% | -4.07% | 30th below |
| Total Capital Ratio | 14.36% | — | — | 30th below |
| Leverage Ratio | 10.81% | 11.75% | -0.94% | 46th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.47% | 10.98% | -0.51% | 51st above |
| TCE / Tangible Assets | 10.47% | — | — | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.20% | 80.44% | +16.76% | 15th bottom |
| Core Deposit Ratio | 80.33% | 86.95% | -6.62% | 17th bottom |
| Wholesale Funding Ratio | 0.10% | — | — | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.58% | — | — | 43rd below |
| Loan Growth (Y/Y) | 5.98% | — | — | 53rd above |
| Deposit Growth (Y/Y) | 2.60% | — | — | 39th below |
See Capital Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Capital 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 Capital 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 Capital Bank peer analysis.