Patterson State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Patterson State Bank of Patterson, LA 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 | 0.65% | 1.34% | -0.69% | 17th bottom |
| ROAE | 8.16% | 13.32% | -5.16% | 26th below |
| Net Interest Margin | 3.12% | 3.93% | -0.81% | 13th bottom |
| Efficiency Ratio | 75.16% | 61.13% | +14.03% | 19th bottom |
| PPNR / Avg Assets | 0.73% | 1.68% | -0.95% | 13th bottom |
| Yield on Earning Assets | 4.84% | 5.67% | -0.83% | 18th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.88% | -0.06% | 49th below |
| Net Interest Spread | 2.39% | 3.32% | -0.93% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.92% | 0.94% | +0.98% | 14th bottom |
| NPA / Total Assets | 1.24% | 0.70% | +0.54% | 15th bottom |
| NCO / Avg Loans | 0.73% | 0.16% | +0.57% | 5th bottom |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 43rd below |
| ACL / NPLs (Coverage) | 59.56% | 1539.19% | -1479.63% | 14th bottom |
| Texas Ratio | 14.37% | 7.33% | +7.04% | 13th bottom |
| Provision / NCO | 6.09% | 1396.17% | -1390.08% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.03% | 19.50% | -2.47% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.03% | 19.54% | -2.51% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.28% | 20.62% | -2.34% | 64th above |
| Leverage Ratio | 8.92% | 12.14% | -3.22% | 11th bottom |
| Equity / Assets | 7.97% | 11.38% | -3.41% | 13th bottom |
| TCE / Tangible Assets | 7.97% | 11.09% | -3.12% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.94% | 80.64% | -15.70% | 77th top |
| Core Deposit Ratio | 85.07% | 86.86% | -1.79% | 30th below |
| Wholesale Funding Ratio | 1.51% | 5.03% | -3.52% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.64% | 6.85% | +0.79% | 73rd above |
| Loan Growth (Y/Y) | -1.84% | 7.91% | -9.75% | 16th bottom |
| Deposit Growth (Y/Y) | 7.96% | 6.29% | +1.67% | 76th top |
See Patterson State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Patterson State 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 Patterson State Bank profile, how to read a UBPR, or how this data updates.