State Bank of De Kalb: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of De Kalb of De Kalb, 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 | 2.43% | 1.34% | +1.09% | 94th top |
| ROAE | 20.16% | 13.31% | +6.85% | 87th top |
| Net Interest Margin | 4.76% | 3.93% | +0.83% | 87th top |
| Efficiency Ratio | 52.47% | 61.14% | -8.67% | 76th top |
| PPNR / Avg Assets | 2.60% | 1.68% | +0.92% | 91st top |
| Yield on Earning Assets | 6.24% | 5.67% | +0.57% | 78th top |
| Cost of Funds | 1.62% | 1.88% | -0.26% | 62nd above |
| Net Interest Spread | 4.08% | 3.32% | +0.76% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.94% | -0.71% | 62nd above |
| NPA / Total Assets | 0.17% | 0.70% | -0.53% | 62nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 27th below |
| ACL / Total Loans | 1.53% | 1.28% | +0.25% | 80th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 656.92% | 1539.16% | -882.24% | 76th top |
| Texas Ratio | 1.35% | 7.33% | -5.98% | 69th above |
| Provision / NCO | 1374.42% | 1395.51% | -21.09% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.17% | 12.14% | +0.03% | 67th above |
| Equity / Assets | 11.98% | 11.37% | +0.61% | 71st above |
| TCE / Tangible Assets | 11.90% | 11.09% | +0.81% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.76% | 80.63% | +4.13% | 41st below |
| Core Deposit Ratio | 91.66% | 86.86% | +4.80% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.06% | 6.85% | +3.21% | 83rd top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.45% | 7.90% | -2.45% | 51st above |
| Deposit Growth (Y/Y) | 9.72% | 6.29% | +3.43% | 82nd top |
See State Bank of De Kalb's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of De Kalb, 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 State Bank of De Kalb profile, how to read a UBPR, or how this data updates.