Commercial State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commercial State Bank of Palmer, 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 | 1.66% | 1.34% | +0.32% | 72nd above |
| ROAE | 16.54% | 13.31% | +3.23% | 74th above |
| Net Interest Margin | 4.58% | 3.93% | +0.65% | 82nd top |
| Efficiency Ratio | 67.22% | 61.14% | +6.08% | 34th below |
| PPNR / Avg Assets | 1.50% | 1.68% | -0.18% | 44th below |
| Yield on Earning Assets | 5.06% | 5.67% | -0.61% | 26th below |
| Cost of Funds | 0.49% | 1.88% | -1.39% | 98th top |
| Net Interest Spread | 4.09% | 3.32% | +0.77% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.95% | 0.94% | +4.01% | 3rd bottom |
| NPA / Total Assets | 2.30% | 0.70% | +1.60% | 6th bottom |
| NCO / Avg Loans | -0.03% | 0.16% | -0.19% | 92nd top |
| ACL / Total Loans | 1.77% | 1.28% | +0.49% | 89th top |
| ACL / NPLs (Coverage) | 35.80% | 1538.87% | -1503.07% | 5th bottom |
| Texas Ratio | 24.78% | 7.33% | +17.45% | 5th bottom |
| Provision / NCO | 33.71% | 1395.74% | -1362.03% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 27.86% | 19.50% | +8.36% | 91st top |
| Tier 1 Ratio | 27.86% | 19.53% | +8.33% | 91st top |
| Total Capital Ratio | 29.11% | 20.62% | +8.49% | 91st top |
| Leverage Ratio | 10.92% | 12.14% | -1.22% | 49th below |
| Equity / Assets | 9.36% | 11.37% | -2.01% | 33rd below |
| TCE / Tangible Assets | 9.36% | 11.09% | -1.73% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 35.63% | 80.64% | -45.01% | 97th top |
| Core Deposit Ratio | 99.56% | 86.86% | +12.70% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.83% | 6.85% | +0.98% | 74th above |
| Loan Growth (Y/Y) | -6.66% | 7.90% | -14.56% | 5th bottom |
| Deposit Growth (Y/Y) | 7.92% | 6.29% | +1.63% | 76th top |
See Commercial State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commercial 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 Commercial State Bank profile, how to read a UBPR, or how this data updates.