Kress National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Kress National Bank of Kress, TX against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 1.50% | 3.13% | -1.63% | 68th above |
| ROAE | 16.46% | 10.29% | +6.17% | 84th top |
| Net Interest Margin | 3.37% | 3.94% | -0.57% | 25th below |
| Efficiency Ratio | 55.81% | 76.35% | -20.54% | 79th top |
| PPNR / Avg Assets | 1.50% | 1.40% | +0.10% | 61st above |
| Yield on Earning Assets | 4.96% | 5.35% | -0.39% | 39th below |
| Cost of Funds | 1.75% | 1.70% | +0.05% | 39th below |
| Net Interest Spread | 2.49% | 3.32% | -0.83% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | -0.47% | 0.10% | -0.57% | 98th top |
| ACL / Total Loans | 2.54% | 1.49% | +1.05% | 90th top |
| Texas Ratio | 0.00% | 8.28% | -8.28% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 29.71% | 62.29% | -32.58% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 29.71% | 62.29% | -32.58% | 67th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 30.96% | 63.26% | -32.30% | 68th above |
| Leverage Ratio | 9.64% | 17.66% | -8.02% | 15th bottom |
| Equity / Assets | 9.34% | 16.46% | -7.12% | 20th bottom |
| TCE / Tangible Assets | 9.34% | 16.20% | -6.86% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 26.47% | 72.92% | -46.45% | 92nd top |
| Core Deposit Ratio | 81.62% | 88.29% | -6.67% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.47% | 4.24% | +13.23% | 95th top |
| Loan Growth (Y/Y) | -16.33% | 6.79% | -23.12% | 4th bottom |
| Deposit Growth (Y/Y) | 19.57% | 3.69% | +15.88% | 96th top |
See Kress National Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Kress National 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 Kress National Bank profile, how to read a UBPR, or how this data updates.