The Lytle State Bank of Lytle, Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Lytle State Bank of Lytle, Texas of Lytle, 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 | 0.43% | 1.35% | -0.92% | 11th bottom |
| ROAE | 4.16% | 12.06% | -7.90% | 12th bottom |
| Net Interest Margin | 3.65% | 3.90% | -0.25% | 34th below |
| Efficiency Ratio | 83.95% | 63.14% | +20.81% | 10th bottom |
| PPNR / Avg Assets | 0.66% | 1.64% | -0.98% | 11th bottom |
| Yield on Earning Assets | 4.62% | 5.65% | -1.03% | 11th bottom |
| Cost of Funds | 1.05% | 1.85% | -0.80% | 89th top |
| Net Interest Spread | 3.12% | 3.35% | -0.23% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.70% | 0.92% | +0.78% | 16th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.64% | 0.67% | -0.03% | 32nd below |
| NCO / Avg Loans | 0.18% | 0.15% | +0.03% | 13th bottom |
| ACL / Total Loans | 0.96% | 1.28% | -0.32% | 22nd bottom |
| ACL / NPLs (Coverage) | 56.81% | 1645.81% | -1589.00% | 13th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.79% | 7.15% | -0.36% | 32nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 245.61% | 1189.77% | -944.16% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.59% | 12.46% | +2.13% | 85th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.58% | 11.67% | -1.09% | 54th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.58% | 11.40% | -0.82% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 42.76% | 78.66% | -35.90% | 95th top |
| Core Deposit Ratio | 91.29% | 87.09% | +4.20% | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.85% | 6.47% | +0.38% | 68th above |
| Loan Growth (Y/Y) | -2.46% | 7.64% | -10.10% | 13th bottom |
| Deposit Growth (Y/Y) | 7.14% | 6.02% | +1.12% | 71st above |
See The Lytle State Bank of Lytle, Texas's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Lytle State Bank of Lytle, Texas, 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 Lytle State Bank of Lytle, Texas profile, how to read a UBPR, or how this data updates.