Stockmens National Bank in Cotulla: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Stockmens National Bank in Cotulla of Cotulla, 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 | 1.59% | 1.34% | +0.25% | 68th above |
| ROAE | 15.92% | 13.32% | +2.60% | 71st above |
| Net Interest Margin | 3.57% | 3.93% | -0.36% | 30th below |
| Efficiency Ratio | 53.85% | 61.13% | -7.28% | 72nd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.59% | 1.68% | -0.09% | 50th above |
| Yield on Earning Assets | 4.70% | 5.67% | -0.97% | 14th bottom |
| Cost of Funds | 1.10% | 1.88% | -0.78% | 88th top |
| Net Interest Spread | 2.92% | 3.32% | -0.40% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 1.02% | 0.70% | +0.32% | 20th bottom |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 90th top |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 44th below |
| Texas Ratio | 10.11% | 7.34% | +2.77% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.62% | 12.14% | -1.52% | 44th below |
| Equity / Assets | 9.87% | 11.36% | -1.49% | 43rd below |
| TCE / Tangible Assets | 9.87% | 11.08% | -1.21% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 22.51% | 80.67% | -58.16% | 99th top |
| Core Deposit Ratio | 82.60% | 86.85% | -4.25% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.69% | 6.84% | +5.85% | 89th top |
| Loan Growth (Y/Y) | -16.16% | 7.92% | -24.08% | 1st bottom |
| Deposit Growth (Y/Y) | 13.36% | 6.29% | +7.07% | 89th top |
See Stockmens National Bank in Cotulla's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Stockmens National Bank in Cotulla, 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 Stockmens National Bank in Cotulla profile, how to read a UBPR, or how this data updates.