The Pecos County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Pecos County State Bank of Fort Stockton, TX against its peer group of 2603 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 | 1.62% | 1.34% | +0.28% | 70th above |
| ROAE | 17.72% | 13.32% | +4.40% | 79th top |
| Net Interest Margin | 3.61% | 3.93% | -0.32% | 32nd below |
| Efficiency Ratio | 59.07% | 61.13% | -2.06% | 57th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.62% | 1.68% | -0.06% | 52nd above |
| Yield on Earning Assets | 4.93% | 5.67% | -0.74% | 20th bottom |
| Cost of Funds | 1.45% | 1.88% | -0.43% | 72nd above |
| Net Interest Spread | 2.92% | 3.32% | -0.40% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.98% | 0.94% | +0.04% | 29th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.38% | 0.70% | -0.32% | 45th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 40th below |
| ACL / Total Loans | 1.74% | 1.28% | +0.46% | 88th top |
| ACL / NPLs (Coverage) | 178.29% | 1546.57% | -1368.28% | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.94% | 7.34% | -3.40% | 47th below |
| Provision / NCO | 0.00% | 1395.50% | -1395.50% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.57% | 12.14% | -0.57% | 59th above |
| Equity / Assets | 9.01% | 11.37% | -2.36% | 27th below |
| TCE / Tangible Assets | 9.01% | 11.08% | -2.07% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 42.94% | 80.67% | -37.73% | 95th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.65% | 86.85% | +1.80% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.56% | 6.84% | -5.28% | 30th below |
| Loan Growth (Y/Y) | -7.20% | 7.92% | -15.12% | 4th bottom |
| Deposit Growth (Y/Y) | 0.28% | 6.29% | -6.01% | 25th below |
See The Pecos County State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Pecos County 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 The Pecos County State Bank profile, how to read a UBPR, or how this data updates.