First Texas Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Texas Bank of Georgetown, TX against its peer group of 941 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 | 1.96% | 1.34% | +0.62% | 84th top |
| ROAE | 17.50% | 12.34% | +5.16% | 81st top |
| Net Interest Margin | 3.83% | 3.83% | +0.00% | 58th above |
| Efficiency Ratio | 40.17% | 58.97% | -18.80% | 92nd top |
| PPNR / Avg Assets | 2.43% | — | — | 85th top |
| Yield on Earning Assets | 4.55% | 5.71% | -1.16% | 8th bottom |
| Cost of Funds | 0.78% | 2.02% | -1.24% | 98th top |
| Net Interest Spread | 3.19% | — | — | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.58% | 0.87% | -0.29% | 46th below |
| NPA / Total Assets | 0.65% | — | — | 34th below |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 71st above |
| ACL / Total Loans | 0.50% | — | — | 3rd bottom |
| ACL / NPLs (Coverage) | 86.06% | — | — | 18th bottom |
| Texas Ratio | 5.75% | 5.48% | +0.27% | 33rd below |
| Provision / NCO | -2733.33% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.48% | 14.99% | +5.49% | 92nd top |
| Tier 1 Ratio | 20.48% | 15.02% | +5.46% | 92nd top |
| Total Capital Ratio | 20.89% | — | — | 90th top |
| Leverage Ratio | 11.25% | 11.11% | +0.14% | 65th above |
| Equity / Assets | 11.05% | 11.02% | +0.03% | 61st above |
| TCE / Tangible Assets | 11.05% | — | — | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.45% | 86.99% | -37.54% | 97th top |
| Core Deposit Ratio | 93.19% | 85.57% | +7.62% | 75th top |
| Uninsured Deposit Ratio | 26.61% | 33.19% | -6.58% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.53% | — | — | 12th bottom |
| Loan Growth (Y/Y) | 4.04% | — | — | 40th below |
| Deposit Growth (Y/Y) | -0.90% | — | — | 13th bottom |
See First Texas Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Texas 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 Texas 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 Texas Bank peer analysis.