First Lockhart Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Lockhart Bank of Lockhart, TX against its peer group of 2757 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 | 0.73% | 1.25% | -0.52% | 19th bottom |
| ROAE | 7.97% | 12.22% | -4.25% | 24th bottom |
| Net Interest Margin | 4.37% | 3.95% | +0.42% | 73rd above |
| Efficiency Ratio | 78.01% | 63.71% | +14.30% | 14th bottom |
| PPNR / Avg Assets | 0.94% | — | — | 17th bottom |
| Yield on Earning Assets | 6.04% | 5.67% | +0.37% | 70th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.87% | -0.05% | 49th below |
| Net Interest Spread | 3.79% | — | — | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.88% | -0.59% | 58th above |
| NPA / Total Assets | 0.36% | — | — | 47th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 31st below |
| ACL / Total Loans | 1.02% | — | — | 28th below |
| ACL / NPLs (Coverage) | 353.15% | — | — | 62nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.60% | 5.96% | -2.36% | 43rd below |
| Provision / NCO | 176.19% | — | — | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.34% | 11.75% | -2.41% | 18th bottom |
| Equity / Assets | 9.13% | 10.98% | -1.85% | 29th below |
| TCE / Tangible Assets | 9.13% | — | — | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.71% | 80.44% | +3.27% | 44th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.85% | 86.95% | +1.90% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.80% | — | — | 82nd top |
| Loan Growth (Y/Y) | 11.40% | — | — | 77th top |
| Deposit Growth (Y/Y) | 10.03% | — | — | 83rd top |
See First Lockhart Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Lockhart 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 First Lockhart Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Lockhart Bank peer analysis.