Kleberg Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Kleberg Bank, N.A. of Kingsville, 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 | 1.23% | 1.34% | -0.11% | 47th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.74% | 13.31% | -0.57% | 52nd above |
| Net Interest Margin | 4.49% | 3.93% | +0.56% | 79th top |
| Efficiency Ratio | 63.76% | 61.14% | +2.62% | 42nd below |
| PPNR / Avg Assets | 1.72% | 1.68% | +0.04% | 58th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.59% | 5.67% | -0.08% | 50th above |
| Cost of Funds | 1.15% | 1.88% | -0.73% | 87th top |
| Net Interest Spread | 4.00% | 3.32% | +0.68% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.94% | -0.83% | 72nd above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 73rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 24th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 55th above |
| ACL / NPLs (Coverage) | 1158.39% | 1538.97% | -380.58% | — |
| Texas Ratio | 0.89% | 7.34% | -6.45% | 74th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 263.80% | 1396.72% | -1132.92% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.91% | 19.51% | -6.60% | 27th below |
| Tier 1 Ratio | 12.91% | 19.54% | -6.63% | 26th below |
| Total Capital Ratio | 14.14% | 20.63% | -6.49% | 28th below |
| Leverage Ratio | 9.45% | 12.14% | -2.69% | 20th bottom |
| Equity / Assets | 9.92% | 11.38% | -1.46% | 44th below |
| TCE / Tangible Assets | 7.66% | 11.10% | -3.44% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.21% | 80.64% | -2.43% | 55th above |
| Core Deposit Ratio | 86.86% | 86.86% | +0.00% | 38th below |
| Wholesale Funding Ratio | 0.01% | 5.04% | -5.03% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.75% | 6.86% | -4.11% | 38th below |
| Loan Growth (Y/Y) | 4.97% | 7.90% | -2.93% | 48th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.57% | 6.29% | -1.72% | 54th above |
See Kleberg Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Kleberg Bank, N.A., 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 Kleberg Bank, N.A. profile, how to read a UBPR, or how this data updates.