Dalhart Federal Savings & Loan Association, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Dalhart Federal Savings & Loan Association, SSB of Dalhart, 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 | 0.37% | 1.34% | -0.97% | 10th bottom |
| ROAE | 3.76% | 13.32% | -9.56% | 10th bottom |
| Net Interest Margin | 3.03% | 3.93% | -0.90% | 11th bottom |
| Efficiency Ratio | 88.34% | 61.14% | +27.20% | 7th bottom |
| PPNR / Avg Assets | 0.33% | 1.68% | -1.35% | 6th bottom |
| Yield on Earning Assets | 5.39% | 5.67% | -0.28% | 40th below |
| Cost of Funds | 2.54% | 1.88% | +0.66% | 14th bottom |
| Net Interest Spread | 2.42% | 3.32% | -0.90% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.94% | -0.78% | 67th above |
| NPA / Total Assets | 0.10% | 0.70% | -0.60% | 70th above |
| NCO / Avg Loans | -0.05% | 0.16% | -0.21% | 94th top |
| ACL / Total Loans | 0.33% | 1.28% | -0.95% | 1st bottom |
| ACL / NPLs (Coverage) | 203.15% | 1538.85% | -1335.70% | 48th below |
| Texas Ratio | 0.99% | 7.33% | -6.34% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 26.12% | 19.50% | +6.62% | 90th top |
| Tier 1 Ratio | 26.12% | 19.53% | +6.59% | 90th top |
| Total Capital Ratio | 26.60% | 20.62% | +5.98% | 89th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.42% | 12.14% | -0.72% | 57th above |
| Equity / Assets | 9.97% | 11.37% | -1.40% | 44th below |
| TCE / Tangible Assets | 9.97% | 11.09% | -1.12% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.62% | 80.64% | +1.98% | 46th below |
| Core Deposit Ratio | 85.24% | 86.86% | -1.62% | 31st below |
| Wholesale Funding Ratio | 13.27% | 5.03% | +8.24% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.40% | 6.85% | -13.25% | 3rd bottom |
| Loan Growth (Y/Y) | -6.39% | 7.90% | -14.29% | 5th bottom |
| Deposit Growth (Y/Y) | 0.75% | 6.29% | -5.54% | 28th below |
See Dalhart Federal Savings & Loan Association, SSB's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Dalhart Federal Savings & Loan Association, SSB, 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 Dalhart Federal Savings & Loan Association, SSB profile, how to read a UBPR, or how this data updates.