Harmony Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Harmony Bank of Dallas, 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 | 1.04% | 1.25% | -0.21% | 34th below |
| ROAE | 6.51% | 12.22% | -5.71% | 18th bottom |
| Net Interest Margin | 4.84% | 3.95% | +0.89% | 89th top |
| Efficiency Ratio | 59.72% | 63.71% | -3.99% | 54th above |
| PPNR / Avg Assets | 1.64% | — | — | 53rd above |
| Yield on Earning Assets | 6.50% | 5.67% | +0.83% | 87th top |
| Cost of Funds | 1.80% | 1.87% | -0.07% | 50th above |
| Net Interest Spread | 3.62% | — | — | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.88% | -0.86% | 85th top |
| NPA / Total Assets | 0.01% | — | — | 85th top |
| NCO / Avg Loans | 0.99% | 0.15% | +0.84% | 3rd bottom |
| ACL / Total Loans | 1.08% | — | — | 36th below |
| ACL / NPLs (Coverage) | 6932.65% | — | — | — |
| Texas Ratio | 0.10% | 5.96% | -5.86% | 85th top |
| Provision / NCO | 51.82% | — | — | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.88% | 17.18% | -2.30% | 48th below |
| Tier 1 Ratio | 14.88% | 17.21% | -2.33% | 47th below |
| Total Capital Ratio | 15.98% | — | — | 48th below |
| Leverage Ratio | 11.90% | 11.75% | +0.15% | 63rd above |
| Equity / Assets | 16.27% | 10.98% | +5.29% | 92nd top |
| TCE / Tangible Assets | 11.60% | — | — | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.94% | 80.44% | +8.50% | 31st below |
| Core Deposit Ratio | 79.09% | 86.95% | -7.86% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.70% | — | — | 44th below |
| Loan Growth (Y/Y) | 5.66% | — | — | 51st above |
| Deposit Growth (Y/Y) | 6.28% | — | — | 65th above |
See Harmony Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Harmony 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 Harmony 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 Harmony Bank peer analysis.