Llano National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Llano National Bank of Llano, 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 | 1.09% | 1.34% | -0.25% | 39th below |
| ROAE | 10.63% | 13.32% | -2.69% | 40th below |
| Net Interest Margin | 3.86% | 3.93% | -0.07% | 46th below |
| Efficiency Ratio | 68.87% | 61.14% | +7.73% | 31st below |
| PPNR / Avg Assets | 1.19% | 1.68% | -0.49% | 28th below |
| Yield on Earning Assets | 5.22% | 5.67% | -0.45% | 32nd below |
| Cost of Funds | 1.46% | 1.88% | -0.42% | 71st above |
| Net Interest Spread | 3.08% | 3.32% | -0.24% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.51% | 0.94% | -0.43% | 45th below |
| NPA / Total Assets | 0.29% | 0.70% | -0.41% | 52nd above |
| NCO / Avg Loans | -0.04% | 0.16% | -0.20% | 94th top |
| ACL / Total Loans | 1.92% | 1.28% | +0.64% | 92nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 379.50% | 1539.04% | -1159.54% | 65th above |
| Texas Ratio | 2.52% | 7.33% | -4.81% | 58th above |
| Provision / NCO | -119.05% | 1396.16% | -1515.21% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.11% | 12.14% | +0.97% | 76th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.50% | 11.37% | -0.87% | 52nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.50% | 11.09% | -0.59% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.29% | 80.64% | -15.35% | 77th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.73% | 86.86% | +0.87% | 42nd below |
| Wholesale Funding Ratio | 0.66% | 5.04% | -4.38% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.21% | 6.85% | -7.06% | 18th bottom |
| Loan Growth (Y/Y) | 4.03% | 7.90% | -3.87% | 42nd below |
| Deposit Growth (Y/Y) | -0.88% | 6.29% | -7.17% | 19th bottom |
See Llano National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Llano 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 Llano National Bank profile, how to read a UBPR, or how this data updates.