Ozona Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ozona Bank of Ozona, 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 | 0.80% | 1.25% | -0.45% | 22nd bottom |
| ROAE | 8.62% | 13.17% | -4.55% | 27th below |
| Net Interest Margin | 4.39% | 3.95% | +0.44% | 74th above |
| Efficiency Ratio | 79.82% | 61.50% | +18.32% | 13th bottom |
| PPNR / Avg Assets | 0.92% | — | — | 17th bottom |
| Yield on Earning Assets | 5.39% | 5.67% | -0.28% | 39th below |
| Cost of Funds | 1.05% | 1.87% | -0.82% | 89th top |
| Net Interest Spread | 3.51% | — | — | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.93% | -0.93% | 93rd top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.15% | -0.09% | 24th bottom |
| ACL / Total Loans | 1.21% | — | — | 51st above |
| Texas Ratio | 0.00% | 6.06% | -6.06% | 94th top |
| Provision / NCO | 466.67% | — | — | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.11% | 17.18% | +2.93% | 78th top |
| Tier 1 Ratio | 20.11% | 17.21% | +2.90% | 78th top |
| Total Capital Ratio | 21.13% | — | — | 77th top |
| Leverage Ratio | 12.31% | 11.75% | +0.56% | 68th above |
| Equity / Assets | 9.41% | 10.98% | -1.57% | 33rd below |
| TCE / Tangible Assets | 9.40% | — | — | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.12% | 80.44% | -17.32% | 80th top |
| Core Deposit Ratio | 90.35% | 86.95% | +3.40% | 57th above |
| Wholesale Funding Ratio | 7.95% | — | — | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.63% | — | — | 78th top |
| Loan Growth (Y/Y) | 29.48% | — | — | 97th top |
| Deposit Growth (Y/Y) | 4.14% | — | — | 50th above |
See Ozona Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ozona 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 Ozona Bank 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 Ozona Bank peer analysis.