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 Lampasas, 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 | 1.94% | 1.25% | +0.69% | 83rd top |
| ROAE | 19.46% | 12.22% | +7.24% | 85th top |
| Net Interest Margin | 3.74% | 3.95% | -0.21% | 39th below |
| Efficiency Ratio | 41.22% | 63.71% | -22.49% | 94th top |
| PPNR / Avg Assets | 2.37% | — | — | 86th top |
| Yield on Earning Assets | 4.64% | 5.67% | -1.03% | 11th bottom |
| Cost of Funds | 0.97% | 1.87% | -0.90% | 92nd top |
| Net Interest Spread | 3.08% | — | — | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | -0.10% | 0.15% | -0.25% | 97th top |
| ACL / Total Loans | 0.45% | — | — | 2nd bottom |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.25% | 17.18% | +6.07% | 85th top |
| Tier 1 Ratio | 23.25% | 17.21% | +6.04% | 85th top |
| Total Capital Ratio | 23.63% | — | — | 84th top |
| Leverage Ratio | 10.14% | 11.75% | -1.61% | 34th below |
| Equity / Assets | 9.80% | 10.98% | -1.18% | 40th below |
| TCE / Tangible Assets | 9.80% | — | — | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 40.04% | 80.44% | -40.40% | 96th top |
| Core Deposit Ratio | 85.61% | 86.95% | -1.34% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.60% | — | — | 78th top |
| Loan Growth (Y/Y) | 6.34% | — | — | 55th above |
| Deposit Growth (Y/Y) | 8.40% | — | — | 77th top |
See First Texas Bank's peers by name
The 2757 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.