Columbus State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Columbus State Bank of Columbus, 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 | 1.07% | 1.34% | -0.27% | 37th below |
| ROAE | 7.94% | 13.32% | -5.38% | 25th below |
| Net Interest Margin | 2.44% | 3.93% | -1.49% | 3rd bottom |
| Efficiency Ratio | 46.02% | 61.14% | -15.12% | 88th top |
| PPNR / Avg Assets | 1.35% | 1.68% | -0.33% | 36th below |
| Yield on Earning Assets | 3.33% | 5.67% | -2.34% | 0th bottom |
| Cost of Funds | 1.02% | 1.88% | -0.86% | 91st top |
| Net Interest Spread | 1.91% | 3.32% | -1.41% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.92% | 1.28% | -0.36% | 18th bottom |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 61.75% | 19.48% | +42.27% | 98th top |
| Tier 1 Ratio | 61.75% | 19.51% | +42.24% | 98th top |
| Total Capital Ratio | 62.01% | 20.60% | +41.41% | 98th top |
| Leverage Ratio | 14.47% | 12.14% | +2.33% | 84th top |
| Equity / Assets | 13.66% | 11.37% | +2.29% | 82nd top |
| TCE / Tangible Assets | 13.66% | 11.09% | +2.57% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 7.85% | 80.66% | -72.81% | 99th top |
| Core Deposit Ratio | 90.25% | 86.86% | +3.39% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.85% | 6.85% | +4.00% | 85th top |
| Loan Growth (Y/Y) | 20.17% | 7.90% | +12.27% | 93rd top |
| Deposit Growth (Y/Y) | 12.00% | 6.29% | +5.71% | 87th top |
See Columbus State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Columbus 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 Columbus State Bank profile, how to read a UBPR, or how this data updates.