The State National Bank of Groom: 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 Groom of Groom, TX against its peer group of 536 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 | 0.42% | 3.14% | -2.72% | 23rd bottom |
| ROAE | 3.38% | 10.43% | -7.05% | 26th below |
| Net Interest Margin | 4.27% | 3.93% | +0.34% | 67th above |
| Efficiency Ratio | 87.77% | 76.28% | +11.49% | 20th bottom |
| PPNR / Avg Assets | 0.53% | 1.40% | -0.87% | 21st bottom |
| Yield on Earning Assets | 6.75% | 5.35% | +1.40% | 92nd top |
| Cost of Funds | 2.70% | 1.70% | +1.00% | 13th bottom |
| Net Interest Spread | 3.47% | 3.31% | +0.16% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.35% | 1.34% | -0.99% | 48th below |
| NPA / Total Assets | 1.02% | 0.71% | +0.31% | 19th bottom |
| NCO / Avg Loans | -0.07% | 0.11% | -0.18% | 93rd top |
| ACL / Total Loans | 1.83% | 1.49% | +0.34% | 79th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 517.42% | 864.93% | -347.51% | 81st top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.92% | 8.25% | -1.33% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.60% | 17.61% | -5.01% | 45th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.36% | 16.43% | -3.07% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.36% | 16.18% | -2.82% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.97% | 72.80% | +19.17% | 16th bottom |
| Core Deposit Ratio | 98.62% | 88.20% | +10.42% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -9.03% | 4.32% | -13.35% | 5th bottom |
| Loan Growth (Y/Y) | -3.12% | 6.74% | -9.86% | 26th below |
| Deposit Growth (Y/Y) | -9.29% | 3.79% | -13.08% | 5th bottom |
See The State National Bank of Groom's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The State National Bank of Groom, 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 Groom profile, how to read a UBPR, or how this data updates.