The State National Bank of Big Spring: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The State National Bank of Big Spring of Big Spring, 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 | 1.83% | 1.34% | +0.49% | 79th top |
| ROAE | 18.71% | 13.32% | +5.39% | 82nd top |
| Net Interest Margin | 3.00% | 3.93% | -0.93% | 10th bottom |
| Efficiency Ratio | 33.38% | 61.15% | -27.77% | 98th top |
| PPNR / Avg Assets | 1.96% | 1.68% | +0.28% | 70th above |
| Yield on Earning Assets | 3.94% | 5.67% | -1.73% | 2nd bottom |
| Cost of Funds | 0.80% | 1.88% | -1.08% | 95th top |
| Net Interest Spread | 2.42% | 3.32% | -0.90% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.07% | 0.94% | +0.13% | 27th below |
| NPA / Total Assets | 0.16% | 0.70% | -0.54% | 63rd above |
| NCO / Avg Loans | -0.07% | 0.16% | -0.23% | 96th top |
| ACL / Total Loans | 3.38% | 1.28% | +2.10% | 99th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 314.94% | 1546.96% | -1232.02% | 61st above |
| Texas Ratio | 2.42% | 7.34% | -4.92% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.19% | 12.14% | -0.95% | 54th above |
| Equity / Assets | 9.84% | 11.37% | -1.53% | 42nd below |
| TCE / Tangible Assets | 9.84% | 11.08% | -1.24% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 17.05% | 80.70% | -63.65% | 99th top |
| Core Deposit Ratio | 93.87% | 86.85% | +7.02% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.93% | 6.84% | +4.09% | 85th top |
| Loan Growth (Y/Y) | -2.24% | 7.92% | -10.16% | 14th bottom |
| Deposit Growth (Y/Y) | 10.42% | 6.29% | +4.13% | 84th top |
See The State National Bank of Big Spring's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The State National Bank of Big Spring, 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 The State National Bank of Big Spring profile, how to read a UBPR, or how this data updates.