Texana Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Texana Bank, N.A. of Linden, 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 | 1.45% | 1.34% | +0.11% | 60th above |
| ROAE | 16.09% | 13.32% | +2.77% | 72nd above |
| Net Interest Margin | 4.26% | 3.93% | +0.33% | 68th above |
| Efficiency Ratio | 91.37% | 61.12% | +30.25% | 5th bottom |
| PPNR / Avg Assets | 2.07% | 1.68% | +0.39% | 75th top |
| Yield on Earning Assets | 6.38% | 5.67% | +0.71% | 83rd top |
| Cost of Funds | 2.26% | 1.88% | +0.38% | 23rd bottom |
| Net Interest Spread | 3.47% | 3.32% | +0.15% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.36% | 0.94% | +0.42% | 21st bottom |
| NPA / Total Assets | 1.25% | 0.70% | +0.55% | 15th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 33rd below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 52nd above |
| ACL / NPLs (Coverage) | 89.39% | 1546.63% | -1457.24% | 24th bottom |
| Texas Ratio | 12.31% | 7.34% | +4.97% | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.06% | 12.14% | -3.08% | 13th bottom |
| Equity / Assets | 9.03% | 11.37% | -2.34% | 28th below |
| TCE / Tangible Assets | 9.03% | 11.08% | -2.05% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 104.36% | 80.65% | +23.71% | 7th bottom |
| Core Deposit Ratio | 67.91% | 86.86% | -18.95% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.41% | 6.84% | -0.43% | 65th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.57% | 7.92% | -1.35% | 57th above |
| Deposit Growth (Y/Y) | 13.96% | 6.29% | +7.67% | 90th top |
See Texana Bank, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Texana Bank, N.A., 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 Texana Bank, N.A. profile, how to read a UBPR, or how this data updates.