Castroville State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Castroville State Bank of Castroville, 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 | 1.57% | 1.35% | +0.22% | 67th above |
| ROAE | 15.92% | 12.05% | +3.87% | 71st above |
| Net Interest Margin | 3.70% | 3.90% | -0.20% | 37th below |
| Efficiency Ratio | 49.31% | 63.15% | -13.84% | 82nd top |
| PPNR / Avg Assets | 1.94% | 1.64% | +0.30% | 69th above |
| Yield on Earning Assets | 5.30% | 5.65% | -0.35% | 35th below |
| Cost of Funds | 1.74% | 1.85% | -0.11% | 54th above |
| Net Interest Spread | 3.14% | 3.35% | -0.21% | 40th below |
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 | 0.19% | 0.67% | -0.48% | 61st above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 88th top |
| ACL / Total Loans | 1.10% | 1.28% | -0.18% | 38th below |
| Texas Ratio | 1.69% | 7.15% | -5.46% | 66th above |
| Provision / NCO | 78.95% | 1189.87% | -1110.92% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.93% | 12.46% | -1.53% | 49th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.34% | 11.67% | -1.33% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.34% | 11.40% | -1.06% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.25% | 78.64% | -1.39% | 57th above |
| Core Deposit Ratio | 83.30% | 87.10% | -3.80% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.80% | 6.47% | -1.67% | 53rd above |
| Loan Growth (Y/Y) | 2.86% | 7.64% | -4.78% | 36th below |
| Deposit Growth (Y/Y) | 6.69% | 6.02% | +0.67% | 69th above |
See Castroville State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Castroville 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 Castroville State Bank profile, how to read a UBPR, or how this data updates.