Interstate Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Interstate Bank of Perryton, 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 Ahead of the peer average, behind the median peer. | 1.27% | 1.25% | +0.02% | 49th below |
| ROAE | 20.07% | 12.22% | +7.85% | 87th top |
| Net Interest Margin | 3.28% | 3.95% | -0.67% | 18th bottom |
| Efficiency Ratio | 64.93% | 63.71% | +1.22% | 38th below |
| PPNR / Avg Assets | 1.27% | — | — | 31st below |
| Yield on Earning Assets | 4.75% | 5.67% | -0.92% | 14th bottom |
| Cost of Funds | 1.56% | 1.87% | -0.31% | 66th above |
| Net Interest Spread | 3.00% | — | — | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.47% | 0.88% | +2.59% | 5th bottom |
| NPA / Total Assets | 1.73% | — | — | 10th bottom |
| NCO / Avg Loans | -4.72% | 0.15% | -4.87% | 100th top |
| ACL / Total Loans | 2.62% | — | — | 97th top |
| ACL / NPLs (Coverage) | 75.39% | — | — | 19th bottom |
| Texas Ratio | 22.72% | 5.96% | +16.76% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.36% | 11.75% | -2.39% | 18th bottom |
| Equity / Assets | 6.44% | 10.98% | -4.54% | 4th bottom |
| TCE / Tangible Assets | 6.31% | — | — | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.33% | 80.44% | -27.11% | 90th top |
| Core Deposit Ratio | 92.35% | 86.95% | +5.40% | 70th above |
| Wholesale Funding Ratio | 0.01% | — | — | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.77% | — | — | 52nd above |
| Loan Growth (Y/Y) | -9.68% | — | — | 2nd bottom |
| Deposit Growth (Y/Y) | 4.22% | — | — | 51st above |
See Interstate Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Interstate 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 Interstate 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 Interstate Bank peer analysis.