R Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks R Bank of Round Rock, TX against its peer group of 941 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 | 0.83% | 1.34% | -0.51% | 18th bottom |
| ROAE | 8.88% | 12.34% | -3.46% | 23rd bottom |
| Net Interest Margin | 4.05% | 3.83% | +0.22% | 72nd above |
| Efficiency Ratio | 73.24% | 58.97% | +14.27% | 14th bottom |
| PPNR / Avg Assets | 1.11% | — | — | 18th bottom |
| Yield on Earning Assets | 5.89% | 5.71% | +0.18% | 71st above |
| Cost of Funds | 2.01% | 2.02% | -0.01% | 50th above |
| Net Interest Spread | 3.34% | — | — | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.55% | 0.87% | +0.68% | 14th bottom |
| NPA / Total Assets | 1.21% | — | — | 15th bottom |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 84th top |
| ACL / Total Loans | 1.09% | — | — | 41st below |
| ACL / NPLs (Coverage) | 70.35% | — | — | 12th bottom |
| Texas Ratio | 12.94% | 5.48% | +7.46% | 9th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.04% | 14.99% | -2.95% | 24th bottom |
| Tier 1 Ratio | 12.04% | 15.02% | -2.98% | 24th bottom |
| Total Capital Ratio | 13.17% | — | — | 25th below |
| Leverage Ratio | 9.01% | 11.11% | -2.10% | 12th bottom |
| Equity / Assets | 9.00% | 11.02% | -2.02% | 21st bottom |
| TCE / Tangible Assets | 8.59% | — | — | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.20% | 86.99% | -3.79% | 63rd above |
| Core Deposit Ratio | 84.56% | 85.57% | -1.01% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.30% | — | — | 34th below |
| Loan Growth (Y/Y) | -3.64% | — | — | 7th bottom |
| Deposit Growth (Y/Y) | 3.85% | — | — | 42nd below |
See R Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock R 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 R 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 R Bank peer analysis.