PlainsCapital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks PlainsCapital Bank of University Park, TX against its peer group of 134 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 | 1.19% | 1.35% | -0.16% | 41st below |
| ROAE | 10.85% | 12.29% | -1.44% | 49th below |
| Net Interest Margin | 3.35% | 3.68% | -0.33% | 35th below |
| Efficiency Ratio | 74.88% | 53.74% | +21.14% | 7th bottom |
| PPNR / Avg Assets | 1.52% | 1.96% | -0.44% | 31st below |
| Yield on Earning Assets | 5.11% | 5.57% | -0.46% | 33rd below |
| Cost of Funds | 1.92% | 2.00% | -0.08% | 50th above |
| Net Interest Spread | 2.60% | 2.98% | -0.38% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.17% | 1.05% | +0.12% | 25th below |
| NPA / Total Assets | 0.91% | 0.76% | +0.15% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.36% | -0.22% | 49th below |
| ACL / Total Loans | 0.91% | 1.37% | -0.46% | 18th bottom |
| ACL / NPLs (Coverage) | 78.14% | 210.37% | -132.23% | 18th bottom |
| Texas Ratio | 13.21% | 10.23% | +2.98% | 12th bottom |
| Provision / NCO | 9.80% | 107.75% | -97.95% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.50% | 14.75% | -2.25% | 38th below |
| Tier 1 Ratio | 12.50% | 14.87% | -2.37% | 37th below |
| Total Capital Ratio | 13.47% | 16.09% | -2.62% | 29th below |
| Leverage Ratio | 9.73% | 10.27% | -0.54% | 34th below |
| Equity / Assets | 10.75% | 11.55% | -0.80% | 35th below |
| TCE / Tangible Assets | 8.84% | 9.48% | -0.64% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.01% | 83.88% | +3.13% | 48th below |
| Core Deposit Ratio | 94.53% | 86.74% | +7.79% | 76th top |
| Uninsured Deposit Ratio | 53.89% | 38.89% | +15.00% | 10th bottom |
| Wholesale Funding Ratio | 4.27% | 5.65% | -1.38% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.22% | 10.11% | -7.89% | 28th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.93% | 10.13% | -3.20% | 55th above |
| Deposit Growth (Y/Y) | 1.62% | 9.97% | -8.35% | 27th below |
See PlainsCapital Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock PlainsCapital 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 PlainsCapital Bank profile, how to read a UBPR, or how this data updates.