The City National Bank of Sulphur Springs: 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 Sulphur Springs of Sulphur Springs, TX against its peer group of 931 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 | 2.22% | 1.46% | +0.76% | 93rd top |
| ROAE | 23.24% | 12.71% | +10.53% | 94th top |
| Net Interest Margin | 4.82% | 3.85% | +0.97% | 93rd top |
| Efficiency Ratio | 54.92% | 57.41% | -2.49% | 61st above |
| PPNR / Avg Assets | 2.42% | 1.88% | +0.54% | 86th top |
| Yield on Earning Assets | 6.19% | 5.72% | +0.47% | 82nd top |
| Cost of Funds | 1.45% | 2.02% | -0.57% | 82nd top |
| Net Interest Spread | 4.03% | 3.18% | +0.85% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 1.00% | -0.90% | 89th top |
| NPA / Total Assets | 0.07% | 0.76% | -0.69% | 90th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 1.48% | 1.31% | +0.17% | 85th top |
| ACL / NPLs (Coverage) | 1516.83% | 542.82% | +974.01% | — |
| Texas Ratio | 1.50% | 7.39% | -5.89% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.75% | 17.34% | -3.59% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.75% | 17.37% | -3.62% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.00% | 18.42% | -3.42% | 57th above |
| Leverage Ratio | 9.78% | 11.44% | -1.66% | 31st below |
| Equity / Assets | 9.65% | 11.34% | -1.69% | 35th below |
| TCE / Tangible Assets | 8.93% | 10.50% | -1.57% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.12% | 86.96% | -8.84% | 74th above |
| Core Deposit Ratio | 90.95% | 85.55% | +5.40% | 63rd above |
| Uninsured Deposit Ratio | 27.25% | 33.13% | -5.88% | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.44% | 9.68% | -6.24% | 38th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.14% | 8.06% | -1.92% | 52nd above |
| Deposit Growth (Y/Y) | 2.74% | 7.87% | -5.13% | 35th below |
See The City National Bank of Sulphur Springs's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The City National Bank of Sulphur Springs, 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 Sulphur Springs profile, how to read a UBPR, or how this data updates.