National Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks National Bank & Trust of La Grange, 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 | 0.46% | 1.35% | -0.89% | 12th bottom |
| ROAE | 5.60% | 12.06% | -6.46% | 16th bottom |
| Net Interest Margin | 2.98% | 3.90% | -0.92% | 9th bottom |
| Efficiency Ratio | 78.62% | 63.14% | +15.48% | 15th bottom |
| PPNR / Avg Assets | 0.59% | 1.64% | -1.05% | 10th bottom |
| Yield on Earning Assets | 5.13% | 5.65% | -0.52% | 28th below |
| Cost of Funds | 2.31% | 1.85% | +0.46% | 21st bottom |
| Net Interest Spread | 2.14% | 3.35% | -1.21% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.92% | -0.75% | 66th above |
| NPA / Total Assets | 0.09% | 0.67% | -0.58% | 71st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 34th below |
| ACL / Total Loans | 1.18% | 1.28% | -0.10% | 48th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 691.27% | 1645.54% | -954.27% | 77th top |
| Texas Ratio | 1.03% | 7.15% | -6.12% | 72nd above |
| Provision / NCO | 1840.00% | 1188.81% | +651.19% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.83% | 12.46% | -1.63% | 47th below |
| Equity / Assets | 8.53% | 11.67% | -3.14% | 20th bottom |
| TCE / Tangible Assets | 8.53% | 11.40% | -2.87% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.00% | 78.65% | -12.65% | 76th top |
| Core Deposit Ratio | 91.29% | 87.09% | +4.20% | 63rd above |
| Wholesale Funding Ratio | 6.82% | 5.11% | +1.71% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.23% | 6.47% | -0.24% | 64th above |
| Loan Growth (Y/Y) | 1.87% | 7.64% | -5.77% | 31st below |
| Deposit Growth (Y/Y) | 9.68% | 6.02% | +3.66% | 81st top |
See National Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock National Bank & Trust, 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 National Bank & Trust profile, how to read a UBPR, or how this data updates.