Lea County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lea County State Bank of Hobbs, NM 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 | 1.37% | 1.25% | +0.12% | 56th above |
| ROAE | 18.59% | 12.22% | +6.37% | 82nd top |
| Net Interest Margin | 4.03% | 3.95% | +0.08% | 54th above |
| Efficiency Ratio | 47.70% | 63.71% | -16.01% | 85th top |
| PPNR / Avg Assets | 2.12% | — | — | 77th top |
| Yield on Earning Assets | 4.85% | 5.67% | -0.82% | 17th bottom |
| Cost of Funds | 0.88% | 1.87% | -0.99% | 94th top |
| Net Interest Spread | 3.58% | — | — | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.61% | 0.88% | +2.73% | 4th bottom |
| NPA / Total Assets | 1.14% | — | — | 17th bottom |
| NCO / Avg Loans | 1.37% | 0.15% | +1.22% | 2nd bottom |
| ACL / Total Loans | 1.49% | — | — | 78th top |
| ACL / NPLs (Coverage) | 41.28% | — | — | 7th bottom |
| Texas Ratio | 13.71% | 5.96% | +7.75% | 11th bottom |
| Provision / NCO | 182.74% | — | — | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.29% | 17.18% | +3.11% | 78th top |
| Tier 1 Ratio | 20.29% | 17.21% | +3.08% | 78th top |
| Total Capital Ratio | 21.32% | — | — | 78th top |
| Leverage Ratio | 9.21% | 11.75% | -2.54% | 15th bottom |
| Equity / Assets | 7.83% | 10.98% | -3.15% | 12th bottom |
| TCE / Tangible Assets | 7.83% | — | — | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 35.17% | 80.44% | -45.27% | 98th top |
| Core Deposit Ratio | 84.68% | 86.95% | -2.27% | 29th below |
| Wholesale Funding Ratio | 1.80% | — | — | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.75% | — | — | 30th below |
| Loan Growth (Y/Y) | 1.88% | — | — | 30th below |
| Deposit Growth (Y/Y) | -0.72% | — | — | 19th bottom |
See Lea County State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lea County State 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 Lea County State 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 Lea County State Bank peer analysis.