Greater State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Greater State Bank of McAllen, 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 | 1.34% | 1.34% | +0.00% | 55th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.33% | 13.31% | -0.98% | 50th above |
| Net Interest Margin | 6.15% | 3.93% | +2.22% | 99th top |
| Efficiency Ratio | 73.61% | 61.14% | +12.47% | 21st bottom |
| PPNR / Avg Assets | 1.71% | 1.68% | +0.03% | 57th above |
| Yield on Earning Assets | 7.69% | 5.67% | +2.02% | 98th top |
| Cost of Funds | 1.60% | 1.88% | -0.28% | 63rd above |
| Net Interest Spread | 5.16% | 3.32% | +1.84% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 31st below |
| Texas Ratio | 0.34% | 7.33% | -6.99% | 83rd top |
| Provision / NCO | 11.76% | 1395.86% | -1384.10% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.45% | 19.50% | -5.05% | 44th below |
| Tier 1 Ratio | 14.45% | 19.54% | -5.09% | 43rd below |
| Total Capital Ratio | 15.70% | 20.62% | -4.92% | 44th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.05% | 12.14% | -1.09% | 52nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.01% | 11.37% | -0.36% | 60th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.01% | 11.09% | -0.08% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.78% | 80.64% | +9.14% | 29th below |
| Core Deposit Ratio | 84.36% | 86.86% | -2.50% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.40% | 6.85% | -1.45% | 58th above |
| Loan Growth (Y/Y) | 13.51% | 7.90% | +5.61% | 83rd top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.71% | 6.29% | -1.58% | 55th above |
See Greater State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Greater 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 Greater State Bank profile, how to read a UBPR, or how this data updates.