Texas Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Texas Bank of Henderson, 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 | 1.18% | 1.25% | -0.07% | 43rd below |
| ROAE | 11.27% | 12.22% | -0.95% | 42nd below |
| Net Interest Margin | 4.69% | 3.95% | +0.74% | 85th top |
| Efficiency Ratio | 64.49% | 63.71% | +0.78% | 40th below |
| PPNR / Avg Assets | 1.57% | — | — | 48th below |
| Yield on Earning Assets | 6.85% | 5.67% | +1.18% | 93rd top |
| Cost of Funds | 2.31% | 1.87% | +0.44% | 21st bottom |
| Net Interest Spread | 4.01% | — | — | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.46% | 0.88% | -0.42% | 48th below |
| NPA / Total Assets | 0.35% | — | — | 47th below |
| NCO / Avg Loans | 0.37% | 0.15% | +0.22% | 8th bottom |
| ACL / Total Loans | 1.10% | — | — | 39th below |
| ACL / NPLs (Coverage) | 241.54% | — | — | 53rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.10% | 5.96% | -2.86% | 47th below |
| Provision / NCO | 146.60% | — | — | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.61% | 11.75% | -1.14% | 43rd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.62% | 10.98% | -0.36% | 54th above |
| TCE / Tangible Assets | 10.62% | — | — | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.87% | 80.44% | +4.43% | 41st below |
| Core Deposit Ratio | 90.60% | 86.95% | +3.65% | 58th above |
| Wholesale Funding Ratio | 2.62% | — | — | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.90% | — | — | 61st above |
| Loan Growth (Y/Y) | 5.11% | — | — | 48th below |
| Deposit Growth (Y/Y) | 4.97% | — | — | 57th above |
See Texas Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Texas 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 Texas 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 Texas Bank peer analysis.