Cendera Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cendera Bank of Bells, 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 | 0.51% | 1.25% | -0.74% | 12th bottom |
| ROAE | 4.56% | 13.17% | -8.61% | 12th bottom |
| Net Interest Margin | 4.35% | 3.95% | +0.40% | 72nd above |
| Efficiency Ratio | 83.12% | 61.50% | +21.62% | 10th bottom |
| PPNR / Avg Assets | 0.72% | — | — | 12th bottom |
| Yield on Earning Assets | 7.09% | 5.67% | +1.42% | 96th top |
| Cost of Funds | 2.84% | 1.87% | +0.97% | 8th bottom |
| Net Interest Spread | 3.84% | — | — | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.93% | -0.89% | 80th top |
| NPA / Total Assets | 0.03% | — | — | 81st top |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 85th top |
| ACL / Total Loans | 1.04% | — | — | 30th below |
| ACL / NPLs (Coverage) | 2479.76% | — | — | — |
| Texas Ratio | 2.53% | 6.06% | -3.53% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.25% | 11.75% | -0.50% | 54th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.62% | 10.98% | -0.36% | 54th above |
| TCE / Tangible Assets | 10.62% | — | — | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.03% | 80.44% | +7.59% | 33rd below |
| Core Deposit Ratio | 71.28% | 86.95% | -15.67% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.36% | — | — | 89th top |
| Loan Growth (Y/Y) | 7.38% | — | — | 61st above |
| Deposit Growth (Y/Y) | 14.54% | — | — | 90th top |
See Cendera Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cendera 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 Cendera 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 Cendera Bank peer analysis.