Johnson City Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Johnson City Bank of Johnson City, TX against its peer group of 2603 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 | 1.09% | 1.34% | -0.25% | 38th below |
| ROAE | 9.07% | 13.32% | -4.25% | 31st below |
| Net Interest Margin | 4.02% | 3.93% | +0.09% | 54th above |
| Efficiency Ratio | 63.15% | 61.13% | +2.02% | 45th below |
| PPNR / Avg Assets | 1.52% | 1.68% | -0.16% | 46th below |
| Yield on Earning Assets | 5.32% | 5.67% | -0.35% | 36th below |
| Cost of Funds | 1.46% | 1.88% | -0.42% | 72nd above |
| Net Interest Spread | 3.06% | 3.32% | -0.26% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.94% | -0.70% | 61st above |
| NPA / Total Assets | 0.14% | 0.70% | -0.56% | 65th above |
| NCO / Avg Loans | 0.96% | 0.16% | +0.80% | 3rd bottom |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 37th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 457.69% | 1546.29% | -1088.60% | 69th above |
| Texas Ratio | 1.20% | 7.34% | -6.14% | 70th above |
| Provision / NCO | 73.14% | 1395.15% | -1322.01% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.57% | 12.14% | +0.43% | 71st above |
| Equity / Assets | 12.08% | 11.36% | +0.72% | 71st above |
| TCE / Tangible Assets | 12.08% | 11.08% | +1.00% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.67% | 80.66% | -12.99% | 74th above |
| Core Deposit Ratio | 78.76% | 86.85% | -8.09% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.86% | 6.84% | +3.02% | 82nd top |
| Loan Growth (Y/Y) | 4.10% | 7.92% | -3.82% | 43rd below |
| Deposit Growth (Y/Y) | 10.93% | 6.29% | +4.64% | 85th top |
See Johnson City Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Johnson City 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 Johnson City Bank profile, how to read a UBPR, or how this data updates.