The Liberty National Bank in Paris: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Liberty National Bank in Paris of Paris, 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 | 1.61% | 1.34% | +0.27% | 69th above |
| ROAE | 13.41% | 13.32% | +0.09% | 56th above |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 47.30% | 61.14% | -13.84% | 86th top |
| PPNR / Avg Assets | 2.13% | 1.68% | +0.45% | 77th top |
| Yield on Earning Assets | 5.42% | 5.67% | -0.25% | 41st below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.88% | -0.06% | 49th below |
| Net Interest Spread | 3.11% | 3.32% | -0.21% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 55th above |
| NPA / Total Assets | 0.29% | 0.70% | -0.41% | 52nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.16% | -0.05% | 18th bottom |
| ACL / Total Loans | 1.77% | 1.28% | +0.49% | 89th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 538.33% | 1546.60% | -1008.27% | 72nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.17% | 7.34% | -2.17% | 40th below |
| Provision / NCO | 117.62% | 1395.72% | -1278.10% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.76% | 12.14% | +0.62% | 73rd above |
| Equity / Assets | 12.13% | 11.36% | +0.77% | 72nd above |
| TCE / Tangible Assets | 12.13% | 11.08% | +1.05% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.56% | 80.66% | +9.90% | 27th below |
| Core Deposit Ratio | 82.22% | 86.85% | -4.63% | 21st bottom |
| Wholesale Funding Ratio | 6.64% | 5.03% | +1.61% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.28% | 6.85% | -10.13% | 8th bottom |
| Loan Growth (Y/Y) | 2.61% | 7.92% | -5.31% | 34th below |
| Deposit Growth (Y/Y) | -11.74% | 6.30% | -18.04% | 1st bottom |
See The Liberty National Bank in Paris's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Liberty National Bank in Paris, 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 The Liberty National Bank in Paris profile, how to read a UBPR, or how this data updates.