The Mint National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Mint National Bank of Kingwood, 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 | 1.58% | 1.35% | +0.23% | 68th above |
| ROAE | 8.69% | 12.06% | -3.37% | 29th below |
| Net Interest Margin | 4.83% | 3.90% | +0.93% | 89th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.43% | 63.15% | -0.72% | 47th below |
| PPNR / Avg Assets | 2.00% | 1.64% | +0.36% | 72nd above |
| Yield on Earning Assets | 7.30% | 5.65% | +1.65% | 97th top |
| Cost of Funds | 3.06% | 1.85% | +1.21% | 5th bottom |
| Net Interest Spread | 3.95% | 3.35% | +0.60% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.78% | 0.92% | +1.86% | 8th bottom |
| NPA / Total Assets | 4.42% | 0.67% | +3.75% | 1st bottom |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 89th top |
| ACL / Total Loans | 2.57% | 1.28% | +1.29% | 97th top |
| ACL / NPLs (Coverage) | 92.25% | 1645.80% | -1553.55% | 25th below |
| Texas Ratio | 21.67% | 7.14% | +14.53% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.35% | 12.46% | +5.89% | 95th top |
| Equity / Assets | 18.29% | 11.67% | +6.62% | 95th top |
| TCE / Tangible Assets | 18.29% | 11.40% | +6.89% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.48% | 78.63% | +24.85% | 8th bottom |
| Core Deposit Ratio | 73.59% | 87.10% | -13.51% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.34% | 6.48% | -10.82% | 6th bottom |
| Loan Growth (Y/Y) | -2.91% | 7.64% | -10.55% | 12th bottom |
| Deposit Growth (Y/Y) | -6.27% | 6.03% | -12.30% | 5th bottom |
See The Mint National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Mint 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 The Mint National Bank profile, how to read a UBPR, or how this data updates.