The Donley County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Donley County State Bank of Clarendon, TX against its peer group of 506 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 | 0.69% | 3.13% | -2.44% | 33rd below |
| ROAE | 3.30% | 10.31% | -7.01% | 26th below |
| Net Interest Margin | 2.74% | 3.94% | -1.20% | 10th bottom |
| Efficiency Ratio | 77.53% | 76.31% | +1.22% | 36th below |
| PPNR / Avg Assets | 0.74% | 1.40% | -0.66% | 29th below |
| Yield on Earning Assets | 4.42% | 5.36% | -0.94% | 20th bottom |
| Cost of Funds | 1.80% | 1.70% | +0.10% | 37th below |
| Net Interest Spread | 2.07% | 3.32% | -1.25% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.77% | 1.33% | +1.44% | 11th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.40% | 0.71% | -0.31% | 36th below |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 3.39% | 1.49% | +1.90% | 96th top |
| ACL / NPLs (Coverage) | 122.50% | 866.68% | -744.18% | 44th below |
| Texas Ratio | 1.91% | 8.27% | -6.36% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 68.33% | 62.15% | +6.18% | 82nd top |
| Tier 1 Ratio | 68.33% | 62.15% | +6.18% | 82nd top |
| Total Capital Ratio | 69.58% | 63.12% | +6.46% | 82nd top |
| Leverage Ratio | 20.86% | 17.64% | +3.22% | 81st top |
| Equity / Assets | 20.59% | 16.44% | +4.15% | 81st top |
| TCE / Tangible Assets | 20.59% | 16.19% | +4.40% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 18.47% | 72.91% | -54.44% | 95th top |
| Core Deposit Ratio | 83.36% | 88.28% | -4.92% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.57% | 4.26% | +1.31% | 67th above |
| Loan Growth (Y/Y) | -12.52% | 6.78% | -19.30% | 6th bottom |
| Deposit Growth (Y/Y) | 4.31% | 3.72% | +0.59% | 63rd above |
See The Donley County State Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Donley 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 The Donley County State Bank profile, how to read a UBPR, or how this data updates.