Security Bank of Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security Bank of Texas of Crawford, TX against its peer group of 2603 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 | 1.13% | 1.34% | -0.21% | 41st below |
| ROAE | 9.51% | 13.32% | -3.81% | 33rd below |
| Net Interest Margin | 5.37% | 3.93% | +1.44% | 96th top |
| Efficiency Ratio | 68.71% | 61.13% | +7.58% | 31st below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.62% | 1.68% | -0.06% | 52nd above |
| Yield on Earning Assets | 7.78% | 5.67% | +2.11% | 99th top |
| Cost of Funds | 2.55% | 1.88% | +0.67% | 14th bottom |
| Net Interest Spread | 4.50% | 3.32% | +1.18% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.75% | 0.94% | +0.81% | 15th bottom |
| NPA / Total Assets | 1.52% | 0.70% | +0.82% | 12th bottom |
| NCO / Avg Loans | 0.33% | 0.16% | +0.17% | 9th bottom |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 68th above |
| ACL / NPLs (Coverage) | 77.31% | 1546.39% | -1469.08% | 20th bottom |
| Texas Ratio | 11.82% | 7.34% | +4.48% | 18th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 181.00% | 1395.18% | -1214.18% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.00% | 12.14% | -0.14% | 65th above |
| Equity / Assets | 11.86% | 11.36% | +0.50% | 70th above |
| TCE / Tangible Assets | 11.86% | 11.08% | +0.78% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.17% | 80.66% | +1.51% | 47th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.60% | 86.85% | +0.75% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 19.77% | 6.84% | +12.93% | 95th top |
| Loan Growth (Y/Y) | 15.59% | 7.92% | +7.67% | 87th top |
| Deposit Growth (Y/Y) | 21.36% | 6.29% | +15.07% | 95th top |
See Security Bank of Texas's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security 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 Security Bank of Texas profile, how to read a UBPR, or how this data updates.