Texas Advantage Community Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Texas Advantage Community Bank, N.A. of Alvin, TX against its peer group of 2672 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 | 0.46% | 1.35% | -0.89% | 12th bottom |
| ROAE | 4.09% | 12.06% | -7.97% | 12th bottom |
| Net Interest Margin | 3.31% | 3.90% | -0.59% | 20th bottom |
| Efficiency Ratio | 81.46% | 63.14% | +18.32% | 12th bottom |
| PPNR / Avg Assets | 0.46% | 1.64% | -1.18% | 7th bottom |
| Yield on Earning Assets | 5.36% | 5.65% | -0.29% | 38th below |
| Cost of Funds | 2.11% | 1.85% | +0.26% | 31st below |
| Net Interest Spread | 2.57% | 3.35% | -0.78% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 7.09% | 0.92% | +6.17% | 1st bottom |
| NPA / Total Assets | 2.99% | 0.67% | +2.32% | 3rd bottom |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 82nd top |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 46th below |
| ACL / NPLs (Coverage) | 16.37% | 1645.83% | -1629.46% | 1st bottom |
| Texas Ratio | 25.39% | 7.14% | +18.25% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.87% | 20.83% | +4.04% | 88th top |
| Tier 1 Ratio | 24.87% | 20.86% | +4.01% | 88th top |
| Total Capital Ratio | 25.94% | 21.93% | +4.01% | 88th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.33% | 12.46% | -1.13% | 56th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.30% | 11.67% | -0.37% | 64th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.30% | 11.40% | -0.10% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 47.35% | 78.65% | -31.30% | 93rd top |
| Core Deposit Ratio | 67.31% | 87.10% | -19.79% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.21% | 6.47% | +0.74% | 70th above |
| Loan Growth (Y/Y) | -9.02% | 7.65% | -16.67% | 3rd bottom |
| Deposit Growth (Y/Y) | 7.73% | 6.02% | +1.71% | 75th top |
See Texas Advantage Community Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Texas Advantage Community 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 Texas Advantage Community Bank, N.A. profile, how to read a UBPR, or how this data updates.