McBank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks McBank of Goldthwaite, TX 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 | 1.38% | 1.25% | +0.13% | 56th above |
| ROAE | 18.98% | 12.22% | +6.76% | 83rd top |
| Net Interest Margin | 3.37% | 3.95% | -0.58% | 22nd bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 61.65% | 63.71% | -2.06% | 48th below |
| PPNR / Avg Assets | 1.41% | — | — | 38th below |
| Yield on Earning Assets | 4.78% | 5.67% | -0.89% | 15th bottom |
| Cost of Funds | 1.50% | 1.87% | -0.37% | 69th above |
| Net Interest Spread | 2.63% | — | — | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.57% | 0.88% | +1.69% | 8th bottom |
| NPA / Total Assets | 1.12% | — | — | 17th bottom |
| NCO / Avg Loans | 0.26% | 0.15% | +0.11% | 10th bottom |
| ACL / Total Loans | 1.45% | — | — | 75th top |
| ACL / NPLs (Coverage) | 56.58% | — | — | 13th bottom |
| Texas Ratio | 14.42% | 5.96% | +8.46% | 10th bottom |
| Provision / NCO | 24.24% | — | — | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.50% | 17.18% | +1.32% | 71st above |
| Tier 1 Ratio | 18.50% | 17.21% | +1.29% | 71st above |
| Total Capital Ratio | 19.68% | — | — | 72nd above |
| Leverage Ratio | 10.01% | 11.75% | -1.74% | 31st below |
| Equity / Assets | 7.61% | 10.98% | -3.37% | 9th bottom |
| TCE / Tangible Assets | 7.18% | — | — | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 47.52% | 80.44% | -32.92% | 93rd top |
| Core Deposit Ratio | 92.77% | 86.95% | +5.82% | 72nd above |
| Wholesale Funding Ratio | 0.02% | — | — | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.63% | — | — | 72nd above |
| Loan Growth (Y/Y) | 2.12% | — | — | 31st below |
| Deposit Growth (Y/Y) | 7.15% | — | — | 71st above |
See McBank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock McBank, 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 McBank 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 McBank peer analysis.