Sundown State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sundown State Bank of Sundown, TX against its peer group of 2757 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 | 1.77% | 1.25% | +0.52% | 77th top |
| ROAE | 14.77% | 12.22% | +2.55% | 64th above |
| Net Interest Margin | 4.25% | 3.95% | +0.30% | 67th above |
| Efficiency Ratio | 48.59% | 63.71% | -15.12% | 83rd top |
| PPNR / Avg Assets | 2.26% | — | — | 82nd top |
| Yield on Earning Assets | 5.82% | 5.67% | +0.15% | 59th above |
| Cost of Funds | 1.68% | 1.87% | -0.19% | 57th above |
| Net Interest Spread | 3.40% | — | — | 53rd 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. | 0.84% | 0.88% | -0.04% | 33rd below |
| NPA / Total Assets | 0.52% | — | — | 38th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.06% | — | — | 33rd below |
| ACL / NPLs (Coverage) | 126.44% | — | — | 34th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.19% | 5.96% | -1.77% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.63% | 11.75% | -0.12% | 60th above |
| Equity / Assets | 11.85% | 10.98% | +0.87% | 69th above |
| TCE / Tangible Assets | 11.85% | — | — | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.16% | 80.44% | -9.28% | 69th above |
| Core Deposit Ratio | 86.45% | 86.95% | -0.50% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.32% | — | — | 70th above |
| Loan Growth (Y/Y) | -6.83% | — | — | 4th bottom |
| Deposit Growth (Y/Y) | 6.07% | — | — | 64th above |
See Sundown State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sundown State Bank, 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 Sundown State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Sundown State Bank peer analysis.