State Bank of Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Texas of Irving, TX against its peer group of 931 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 | 4.43% | 1.46% | +2.97% | 99th top |
| ROAE | 29.22% | 12.70% | +16.52% | 97th top |
| Net Interest Margin | 5.46% | 3.85% | +1.61% | 97th top |
| Efficiency Ratio | 22.00% | 57.44% | -35.44% | 99th top |
| PPNR / Avg Assets | 4.15% | 1.87% | +2.28% | 98th top |
| Yield on Earning Assets | 8.68% | 5.71% | +2.97% | 98th top |
| Cost of Funds | 3.66% | 2.01% | +1.65% | 2nd bottom |
| Net Interest Spread | 4.74% | 3.18% | +1.56% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.16% | 1.00% | +1.16% | 10th bottom |
| NPA / Total Assets | 2.00% | 0.76% | +1.24% | 7th bottom |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 86th top |
| ACL / Total Loans | 1.02% | 1.31% | -0.29% | 32nd below |
| ACL / NPLs (Coverage) | 47.24% | 543.86% | -496.62% | 8th bottom |
| Texas Ratio | 11.57% | 7.39% | +4.18% | 19th bottom |
| Provision / NCO | -7566.67% | 628.29% | -8194.96% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.71% | 11.43% | +4.28% | 94th top |
| Equity / Assets | 16.43% | 11.33% | +5.10% | 96th top |
| TCE / Tangible Assets | 16.43% | 10.49% | +5.94% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.80% | 86.94% | +10.86% | 22nd bottom |
| Core Deposit Ratio | 73.83% | 85.57% | -11.74% | 12th bottom |
| Uninsured Deposit Ratio | 16.58% | 33.14% | -16.56% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.61% | 9.70% | -16.31% | 3rd bottom |
| Loan Growth (Y/Y) | -6.99% | 8.07% | -15.06% | 3rd bottom |
| Deposit Growth (Y/Y) | -6.78% | 7.88% | -14.66% | 3rd bottom |
See State Bank of Texas's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State 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 State Bank of Texas profile, how to read a UBPR, or how this data updates.