Round Top State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Round Top State Bank of Round Top, 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 Behind the peer average, ahead of the median peer. | 1.28% | 1.34% | -0.06% | 51st above |
| ROAE Behind the peer average, ahead of the median peer. | 12.84% | 13.31% | -0.47% | 53rd above |
| Net Interest Margin | 3.10% | 3.93% | -0.83% | 13th bottom |
| Efficiency Ratio | 48.54% | 61.15% | -12.61% | 83rd top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.60% | 1.68% | -0.08% | 51st above |
| Yield on Earning Assets | 4.89% | 5.67% | -0.78% | 19th bottom |
| Cost of Funds | 2.02% | 1.88% | +0.14% | 36th below |
| Net Interest Spread | 2.25% | 3.32% | -1.07% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 0.94% | -0.63% | 57th above |
| NPA / Total Assets | 0.19% | 0.70% | -0.51% | 61st above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 78th top |
| ACL / Total Loans | 0.89% | 1.28% | -0.39% | 16th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 285.23% | 1539.97% | -1254.74% | 58th above |
| Texas Ratio | 2.04% | 7.34% | -5.30% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.94% | 12.14% | -0.20% | 64th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.35% | 11.38% | -1.03% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.30% | 11.09% | -0.79% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.90% | 80.65% | -11.75% | 72nd above |
| Core Deposit Ratio | 83.10% | 86.86% | -3.76% | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.49% | 6.85% | -0.36% | 65th above |
| Loan Growth (Y/Y) | 4.08% | 7.91% | -3.83% | 43rd below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.63% | 6.29% | -0.66% | 61st above |
See Round Top State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Round Top 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 Round Top State Bank profile, how to read a UBPR, or how this data updates.