Lovelady State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lovelady State Bank of Lovelady, TX against its peer group of 536 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. | 1.28% | 3.14% | -1.86% | 62nd above |
| ROAE Behind the peer average, ahead of the median peer. | 10.35% | 10.42% | -0.07% | 60th above |
| Net Interest Margin | 4.53% | 3.93% | +0.60% | 76th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 70.37% | 76.31% | -5.94% | 49th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.28% | 1.40% | -0.12% | 53rd above |
| Yield on Earning Assets | 5.54% | 5.35% | +0.19% | 63rd above |
| Cost of Funds | 1.11% | 1.71% | -0.60% | 73rd above |
| Net Interest Spread | 3.92% | 3.31% | +0.61% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.54% | 1.34% | -0.80% | 42nd below |
| NPA / Total Assets | 0.72% | 0.71% | +0.01% | 25th below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.43% | 1.49% | -0.06% | 64th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 262.50% | 865.44% | -602.94% | 66th above |
| Texas Ratio | 8.38% | 8.25% | +0.13% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 23.40% | 61.98% | -38.58% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 23.40% | 61.98% | -38.58% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 24.56% | 62.95% | -38.39% | 55th above |
| Leverage Ratio | 12.84% | 17.61% | -4.77% | 47th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.62% | 16.43% | -3.81% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.62% | 16.18% | -3.56% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.51% | 72.86% | -20.35% | 69th above |
| Core Deposit Ratio | 83.49% | 88.22% | -4.73% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.36% | 4.32% | -8.68% | 14th bottom |
| Loan Growth (Y/Y) | 0.18% | 6.73% | -6.55% | 41st below |
| Deposit Growth (Y/Y) | -5.86% | 3.78% | -9.64% | 11th bottom |
See Lovelady State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lovelady 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 Lovelady State Bank profile, how to read a UBPR, or how this data updates.