Southtrust Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southtrust Bank, N.A. of George West, 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 | 1.68% | 1.35% | +0.33% | 73rd above |
| ROAE | 13.71% | 12.05% | +1.66% | 58th above |
| Net Interest Margin | 4.32% | 3.90% | +0.42% | 71st above |
| Efficiency Ratio | 70.26% | 63.15% | +7.11% | 28th below |
| PPNR / Avg Assets | 1.33% | 1.64% | -0.31% | 35th below |
| Yield on Earning Assets | 5.46% | 5.65% | -0.19% | 43rd below |
| Cost of Funds | 1.22% | 1.85% | -0.63% | 84th top |
| Net Interest Spread | 3.79% | 3.35% | +0.44% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 0.92% | -0.65% | 59th above |
| NPA / Total Assets | 0.22% | 0.67% | -0.45% | 58th above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 85th top |
| ACL / Total Loans | 1.30% | 1.28% | +0.02% | 62nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 489.23% | 1645.63% | -1156.40% | 70th above |
| Texas Ratio | 1.71% | 7.15% | -5.44% | 65th above |
| Provision / NCO | -444.05% | 1190.19% | -1634.24% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.40% | 20.83% | +0.57% | 81st top |
| Tier 1 Ratio | 21.40% | 20.86% | +0.54% | 81st top |
| Total Capital Ratio | 22.65% | 21.93% | +0.72% | 81st top |
| Leverage Ratio | 12.50% | 12.46% | +0.04% | 70th above |
| Equity / Assets | 12.18% | 11.67% | +0.51% | 72nd above |
| TCE / Tangible Assets | 12.18% | 11.40% | +0.78% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.37% | 78.65% | -12.28% | 75th top |
| Core Deposit Ratio | 93.08% | 87.09% | +5.99% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.96% | 6.47% | -2.51% | 47th below |
| Loan Growth (Y/Y) | -5.81% | 7.64% | -13.45% | 6th bottom |
| Deposit Growth (Y/Y) | 3.52% | 6.02% | -2.50% | 46th below |
See Southtrust Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southtrust Bank, N.A., 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 Southtrust Bank, N.A. profile, how to read a UBPR, or how this data updates.