Producer Bank of Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Producer Bank of Texas of Powell, TX against its peer group of 536 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 | -0.33% | 3.14% | -3.47% | 11th bottom |
| ROAE | -1.39% | 10.44% | -11.83% | 12th bottom |
| Net Interest Margin | 4.23% | 3.93% | +0.30% | 65th above |
| Efficiency Ratio | 114.27% | 76.24% | +38.03% | 10th bottom |
| PPNR / Avg Assets | -0.86% | 1.40% | -2.26% | 6th bottom |
| Yield on Earning Assets | 5.63% | 5.35% | +0.28% | 66th above |
| Cost of Funds | 1.72% | 1.70% | +0.02% | 41st below |
| Net Interest Spread | 3.16% | 3.31% | -0.15% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.77% | 1.34% | +0.43% | 20th bottom |
| NPA / Total Assets | 0.78% | 0.71% | +0.07% | 23rd bottom |
| NCO / Avg Loans | -0.33% | 0.11% | -0.44% | 97th top |
| ACL / Total Loans | 3.07% | 1.48% | +1.59% | 94th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 173.70% | 865.81% | -692.11% | 55th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.10% | 8.26% | -4.16% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.61% | 17.60% | +1.01% | 77th top |
| Equity / Assets | 23.50% | 16.41% | +7.09% | 84th top |
| TCE / Tangible Assets | 18.83% | 16.17% | +2.66% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.19% | 72.85% | -12.66% | 60th above |
| Core Deposit Ratio | 94.86% | 88.20% | +6.66% | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 21.59% | 4.28% | +17.31% | 96th top |
| Loan Growth (Y/Y) | 53.55% | 6.64% | +46.91% | 97th top |
| Deposit Growth (Y/Y) | 35.20% | 3.72% | +31.48% | 99th top |
See Producer Bank of Texas's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Producer Bank of Texas, 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 Producer Bank of Texas profile, how to read a UBPR, or how this data updates.