Robert Lee State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Robert Lee State Bank of Robert Lee, TX against its peer group of 578 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 | 0.59% | 0.85% | -0.26% | 28th below |
| ROAE | 4.80% | 5.23% | -0.43% | 30th below |
| Net Interest Margin | 3.76% | 3.94% | -0.18% | 43rd below |
| Efficiency Ratio | 78.24% | 76.13% | +2.11% | 33rd below |
| PPNR / Avg Assets | 0.73% | — | — | 25th below |
| Yield on Earning Assets | 4.38% | 5.42% | -1.04% | 19th bottom |
| Cost of Funds | 0.66% | 1.69% | -1.03% | 92nd top |
| Net Interest Spread | 3.38% | — | — | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.09% | 1.23% | +0.86% | 20th bottom |
| NPA / Total Assets | 0.71% | — | — | 29th below |
| NCO / Avg Loans | -0.10% | 0.11% | -0.21% | 93rd top |
| ACL / Total Loans | 1.17% | — | — | 43rd below |
| ACL / NPLs (Coverage) | 56.07% | — | — | 24th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.24% | 7.23% | -1.99% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.09% | 14.13% | -0.04% | 59th above |
| Equity / Assets | 13.18% | 13.07% | +0.11% | 56th above |
| TCE / Tangible Assets | 13.18% | — | — | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 39.34% | 68.58% | -29.24% | 84th top |
| Core Deposit Ratio | 91.54% | 88.79% | +2.75% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.06% | — | — | 16th bottom |
| Loan Growth (Y/Y) | -5.43% | — | — | 16th bottom |
| Deposit Growth (Y/Y) | -4.63% | — | — | 13th bottom |
See Robert Lee State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Robert Lee 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 Robert Lee State 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 Robert Lee State Bank peer analysis.