Guadalupe Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Guadalupe Bank of Kerrville, 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 | 1.04% | 1.34% | -0.30% | 36th below |
| ROAE | 10.52% | 13.31% | -2.79% | 39th below |
| Net Interest Margin | 5.31% | 3.93% | +1.38% | 96th top |
| Efficiency Ratio | 69.98% | 61.14% | +8.84% | 28th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.65% | 1.68% | -0.03% | 54th above |
| Yield on Earning Assets | 6.41% | 5.67% | +0.74% | 84th top |
| Cost of Funds | 1.18% | 1.88% | -0.70% | 85th top |
| Net Interest Spread | 4.71% | 3.32% | +1.39% | 96th 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. | 0.01% | 0.16% | -0.15% | 44th below |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 38th below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO | 3680.00% | 1394.61% | +2285.39% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.80% | 19.50% | -6.70% | 25th below |
| Tier 1 Ratio | 12.80% | 19.54% | -6.74% | 25th below |
| Total Capital Ratio | 13.94% | 20.62% | -6.68% | 26th below |
| Leverage Ratio | 9.93% | 12.14% | -2.21% | 30th below |
| Equity / Assets | 9.73% | 11.37% | -1.64% | 40th below |
| TCE / Tangible Assets | 9.73% | 11.09% | -1.36% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.70% | 80.64% | +6.06% | 36th below |
| Core Deposit Ratio | 96.43% | 86.86% | +9.57% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.47% | 6.85% | +3.62% | 84th top |
| Loan Growth (Y/Y) | 10.97% | 7.90% | +3.07% | 77th top |
| Deposit Growth (Y/Y) | 13.21% | 6.29% | +6.92% | 89th top |
See Guadalupe Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Guadalupe 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 Guadalupe Bank profile, how to read a UBPR, or how this data updates.