Central Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central Bank of Houston, TX against its peer group of 941 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 | 1.96% | 1.34% | +0.62% | 85th top |
| ROAE | 20.87% | 12.34% | +8.53% | 91st top |
| Net Interest Margin | 4.85% | 3.83% | +1.02% | 93rd top |
| Efficiency Ratio | 60.50% | 58.97% | +1.53% | 42nd below |
| PPNR / Avg Assets | 2.03% | — | — | 69th above |
| Yield on Earning Assets | 6.66% | 5.71% | +0.95% | 92nd top |
| Cost of Funds | 1.73% | 2.02% | -0.29% | 67th above |
| Net Interest Spread | 3.82% | — | — | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.54% | 0.87% | -0.33% | 49th below |
| NPA / Total Assets | 0.56% | — | — | 39th below |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 92nd top |
| ACL / Total Loans | 0.95% | — | — | 24th bottom |
| ACL / NPLs (Coverage) | 175.31% | — | — | 44th below |
| Texas Ratio | 5.71% | 5.48% | +0.23% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.93% | 14.99% | -2.06% | 40th below |
| Tier 1 Ratio | 12.93% | 15.02% | -2.09% | 40th below |
| Total Capital Ratio | 13.98% | — | — | 39th below |
| Leverage Ratio | 10.07% | 11.11% | -1.04% | 38th below |
| Equity / Assets | 9.06% | 11.02% | -1.96% | 22nd bottom |
| TCE / Tangible Assets | 9.00% | — | — | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.43% | 86.99% | -0.56% | 54th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.60% | 85.57% | +1.03% | 40th below |
| Uninsured Deposit Ratio | 41.57% | 33.19% | +8.38% | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.85% | — | — | 82nd top |
| Loan Growth (Y/Y) | 12.07% | — | — | 78th top |
| Deposit Growth (Y/Y) | 13.00% | — | — | 82nd top |
See Central Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central 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 Central 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 Central Bank peer analysis.