Pilgrim Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pilgrim Bank of Pittsburg, 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 | 0.50% | 1.25% | -0.75% | 12th bottom |
| ROAE | 5.44% | 13.17% | -7.73% | 14th bottom |
| Net Interest Margin | 2.92% | 3.95% | -1.03% | 8th bottom |
| Efficiency Ratio | 74.31% | 61.50% | +12.81% | 19th bottom |
| PPNR / Avg Assets | 0.78% | — | — | 13th bottom |
| Yield on Earning Assets | 4.93% | 5.67% | -0.74% | 20th bottom |
| Cost of Funds | 2.13% | 1.87% | +0.26% | 29th below |
| Net Interest Spread | 2.01% | — | — | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.23% | 0.93% | +0.30% | 23rd bottom |
| NPA / Total Assets | 0.80% | — | — | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 42nd below |
| ACL / Total Loans | 0.99% | — | — | 25th below |
| ACL / NPLs (Coverage) | 80.62% | — | — | 22nd bottom |
| Texas Ratio | 1.11% | 6.06% | -4.95% | 67th above |
| Provision / NCO | 6100.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.44% | 17.18% | -2.74% | 43rd below |
| Tier 1 Ratio | 14.44% | 17.21% | -2.77% | 43rd below |
| Total Capital Ratio | 15.37% | — | — | 41st below |
| Leverage Ratio | 10.21% | 11.75% | -1.54% | 36th below |
| Equity / Assets | 9.30% | 10.98% | -1.68% | 32nd below |
| TCE / Tangible Assets | 8.20% | — | — | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 80.47% | 80.44% | +0.03% | 50th above |
| Core Deposit Ratio | 84.26% | 86.95% | -2.69% | 28th below |
| Wholesale Funding Ratio | 9.30% | — | — | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.85% | — | — | 14th bottom |
| Loan Growth (Y/Y) | -4.69% | — | — | 7th bottom |
| Deposit Growth (Y/Y) | -3.46% | — | — | 9th bottom |
See Pilgrim Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pilgrim 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 Pilgrim 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 Pilgrim Bank peer analysis.