The City National Bank of San Saba: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The City National Bank of San Saba of San Saba, TX against its peer group of 506 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 | 0.86% | 3.13% | -2.27% | 41st below |
| ROAE | 7.25% | 10.31% | -3.06% | 44th below |
| Net Interest Margin | 2.33% | 3.94% | -1.61% | 5th bottom |
| Efficiency Ratio | 64.33% | 76.34% | -12.01% | 63rd above |
| PPNR / Avg Assets | 0.87% | 1.40% | -0.53% | 34th below |
| Yield on Earning Assets | 3.55% | 5.36% | -1.81% | 6th bottom |
| Cost of Funds | 1.29% | 1.70% | -0.41% | 64th above |
| Net Interest Spread | 1.55% | 3.33% | -1.78% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 83.31% | 1.15% | +82.16% | 0th bottom |
| NPA / Total Assets | 8.12% | 0.70% | +7.42% | 0th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.10% | -0.05% | 18th bottom |
| ACL / Total Loans | 3.91% | 1.48% | +2.43% | 97th top |
| ACL / NPLs (Coverage) | 4.70% | 867.99% | -863.29% | 0th bottom |
| Texas Ratio | 66.32% | 8.14% | +58.18% | 2nd bottom |
| Provision / NCO | 600.00% | 288.29% | +311.71% | 91st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.02% | 17.66% | -5.64% | 38th below |
| Equity / Assets | 11.86% | 16.46% | -4.60% | 45th below |
| TCE / Tangible Assets | 11.86% | 16.20% | -4.34% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 11.06% | 72.97% | -61.91% | 96th top |
| Core Deposit Ratio | 97.81% | 88.25% | +9.56% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.95% | 4.28% | -10.23% | 10th bottom |
| Loan Growth (Y/Y) | -14.78% | 6.80% | -21.58% | 4th bottom |
| Deposit Growth (Y/Y) | -7.09% | 3.75% | -10.84% | 8th bottom |
See The City National Bank of San Saba's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The City National Bank of San Saba, 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 City National Bank of San Saba profile, how to read a UBPR, or how this data updates.