Plains State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Plains State Bank of Humble, 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 | 1.80% | 1.34% | +0.46% | 78th top |
| ROAE | 10.56% | 13.32% | -2.76% | 39th below |
| Net Interest Margin | 4.54% | 3.93% | +0.61% | 80th top |
| Efficiency Ratio | 52.47% | 61.15% | -8.68% | 76th top |
| PPNR / Avg Assets | 2.23% | 1.68% | +0.55% | 81st top |
| Yield on Earning Assets | 6.40% | 5.67% | +0.73% | 84th top |
| Cost of Funds | 2.26% | 1.88% | +0.38% | 23rd bottom |
| Net Interest Spread | 3.47% | 3.32% | +0.15% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.31% | 0.94% | +1.37% | 10th bottom |
| NPA / Total Assets | 1.84% | 0.70% | +1.14% | 9th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 26th below |
| ACL / Total Loans | 1.63% | 1.28% | +0.35% | 85th top |
| ACL / NPLs (Coverage) | 70.67% | 1539.96% | -1469.29% | 18th bottom |
| Texas Ratio | 19.71% | 7.32% | +12.39% | 8th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 277.78% | 1396.85% | -1119.07% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.47% | 12.14% | +4.33% | 91st top |
| Equity / Assets | 16.53% | 11.37% | +5.16% | 92nd top |
| TCE / Tangible Assets | 16.36% | 11.09% | +5.27% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.73% | 80.63% | +10.10% | 27th below |
| Core Deposit Ratio | 73.55% | 86.87% | -13.32% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.71% | 6.86% | -9.57% | 9th bottom |
| Loan Growth (Y/Y) | -6.08% | 7.91% | -13.99% | 6th bottom |
| Deposit Growth (Y/Y) | -2.51% | 6.29% | -8.80% | 12th bottom |
See Plains State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Plains 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 Plains State Bank profile, how to read a UBPR, or how this data updates.