Coleman County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Coleman County State Bank of Coleman, 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 | 2.05% | 1.35% | +0.70% | 87th top |
| ROAE | 22.96% | 12.05% | +10.91% | 93rd top |
| Net Interest Margin | 5.58% | 3.90% | +1.68% | 98th top |
| Efficiency Ratio | 60.35% | 63.15% | -2.80% | 53rd above |
| PPNR / Avg Assets | 2.18% | 1.64% | +0.54% | 79th top |
| Yield on Earning Assets | 6.88% | 5.65% | +1.23% | 94th top |
| Cost of Funds | 1.29% | 1.85% | -0.56% | 80th top |
| Net Interest Spread | 4.89% | 3.35% | +1.54% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.92% | -0.87% | 78th top |
| NPA / Total Assets | 0.03% | 0.67% | -0.64% | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 33rd below |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 24th bottom |
| ACL / NPLs (Coverage) | 1990.80% | 1644.99% | +345.81% | — |
| Texas Ratio | 0.34% | 7.15% | -6.81% | 83rd top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 531.58% | 1189.60% | -658.02% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.90% | 20.83% | -7.93% | 27th below |
| Tier 1 Ratio | 12.90% | 20.87% | -7.97% | 26th below |
| Total Capital Ratio | 13.89% | 21.94% | -8.05% | 25th below |
| Leverage Ratio | 8.56% | 12.47% | -3.91% | 7th bottom |
| Equity / Assets | 8.87% | 11.67% | -2.80% | 25th below |
| TCE / Tangible Assets | 8.17% | 11.40% | -3.23% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.17% | 78.65% | -12.48% | 76th top |
| Core Deposit Ratio | 91.89% | 87.09% | +4.80% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.03% | 6.48% | -3.45% | 40th below |
| Loan Growth (Y/Y) | 9.74% | 7.64% | +2.10% | 73rd above |
| Deposit Growth (Y/Y) | 1.74% | 6.02% | -4.28% | 34th below |
See Coleman County State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Coleman County 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 Coleman County State Bank profile, how to read a UBPR, or how this data updates.