The Commercial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Commercial Bank of Mason, 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 | 1.65% | 1.34% | +0.31% | 71st above |
| ROAE | 19.08% | 13.31% | +5.77% | 84th top |
| Net Interest Margin | 3.80% | 3.93% | -0.13% | 42nd below |
| Efficiency Ratio | 49.01% | 61.14% | -12.13% | 82nd top |
| PPNR / Avg Assets | 1.85% | 1.68% | +0.17% | 65th above |
| Yield on Earning Assets | 5.43% | 5.67% | -0.24% | 41st below |
| Cost of Funds | 1.79% | 1.88% | -0.09% | 51st above |
| Net Interest Spread | 3.18% | 3.32% | -0.14% | 42nd below |
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 Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 54th above |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.95% | 12.14% | -2.19% | 30th below |
| Equity / Assets | 8.93% | 11.37% | -2.44% | 26th below |
| TCE / Tangible Assets | 8.93% | 11.09% | -2.16% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.05% | 80.64% | -35.59% | 94th top |
| Core Deposit Ratio | 79.10% | 86.86% | -7.76% | 14th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.27% | 5.03% | -0.76% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.37% | 6.85% | -4.48% | 35th below |
| Loan Growth (Y/Y) | -0.94% | 7.90% | -8.84% | 19th bottom |
| Deposit Growth (Y/Y) | -1.25% | 6.29% | -7.54% | 17th bottom |
See The Commercial Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Commercial 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 The Commercial Bank profile, how to read a UBPR, or how this data updates.