Terrabank, N.A.: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Terrabank, N.A. of Miami, FL against its peer group of 2646 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.99% | 1.30% | -0.31% | 32nd worse half |
| ROAE | 12.03% | 12.64% | -0.61% | 46th worse half |
| Net Interest Margin | 3.83% | 4.00% | -0.17% | 40th worse half |
| Efficiency Ratio | 66.19% | 60.97% | +5.22% | 65th worse half |
| PPNR / Avg Assets | 1.46% | 1.63% | -0.17% | 39th worse half |
| Yield on Earning Assets | 4.88% | 5.69% | -0.81% | 16th |
| Cost of Funds | 1.14% | 1.83% | -0.69% | 12th best quarter |
| Net Interest Spread | 2.19% | 3.38% | -1.19% | 5th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.07% | 0.43% | -0.36% | 23rd best quarter |
| NPA / Total Assets | 0.05% | 0.33% | -0.28% | 21st best quarter |
| NCO / Avg Loans | 0.00% | 0.00% | +0.00% | 36th better half |
| ACL / Total Loans | 1.30% | 1.20% | +0.10% | 63rd |
| ACL / NPLs (Coverage) | 1775.37% | 214.79% | +1560.58% | — |
| Texas Ratio | 0.54% | 2.90% | -2.36% | 24th best quarter |
| CRE / Total Capital | 391.79% | 119.32% | +272.47% | 99th worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 9.95% | 15.41% | -5.46% | 2nd worst quarter |
| Tier 1 Ratio | 14.01% | 15.47% | -1.46% | 36th worse half |
| Total Capital Ratio | 15.27% | 16.52% | -1.25% | 37th worse half |
| Leverage Ratio | 9.26% | 11.15% | -1.89% | 15th worst quarter |
| Equity / Assets | 8.19% | 10.12% | -1.93% | 20th worst quarter |
| TCE / Tangible Assets | 5.55% | 9.85% | -4.30% | 4th worst quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 75.98% | 81.56% | -5.58% | 39th |
| Core Deposit Ratio | 86.07% | 89.16% | -3.09% | 34th worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.66% | 3.51% | +13.15% | 94th |
| Loan Growth (Y/Y) | 21.55% | 5.73% | +15.82% | 93rd |
| Deposit Growth (Y/Y) | 14.88% | 3.83% | +11.05% | 91st |
See Terrabank, N.A.'s peers by name
The 2646 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 Terrabank, N.A. 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 Terrabank, N.A. peer analysis.