Texas Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Texas Bank and Trust Company of Longview, TX against its peer group of 931 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 | 1.64% | 1.46% | +0.18% | 74th above |
| ROAE | 12.95% | 12.72% | +0.23% | 54th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.79% | 3.85% | -0.06% | 56th above |
| Efficiency Ratio | 52.75% | 57.41% | -4.66% | 67th above |
| PPNR / Avg Assets | 2.13% | 1.88% | +0.25% | 74th above |
| Yield on Earning Assets | 5.37% | 5.72% | -0.35% | 39th below |
| Cost of Funds | 1.55% | 2.02% | -0.47% | 78th top |
| Net Interest Spread | 2.99% | 3.18% | -0.19% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.58% | 1.00% | -0.42% | 53rd above |
| NPA / Total Assets | 0.46% | 0.76% | -0.30% | 52nd above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 63rd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.31% | -0.09% | 61st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 210.71% | 543.92% | -333.21% | 57th above |
| Texas Ratio | 3.64% | 7.40% | -3.76% | 60th above |
| Provision / NCO | 762.71% | 618.32% | +144.39% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.85% | 17.34% | -1.49% | 77th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.85% | 17.37% | -1.52% | 76th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.10% | 18.42% | -1.32% | 78th top |
| Leverage Ratio | 13.10% | 11.43% | +1.67% | 86th top |
| Equity / Assets | 12.90% | 11.33% | +1.57% | 84th top |
| TCE / Tangible Assets | 12.50% | 10.50% | +2.00% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.52% | 86.95% | +4.57% | 39th below |
| Core Deposit Ratio | 90.70% | 85.55% | +5.15% | 61st above |
| Uninsured Deposit Ratio | 47.26% | 33.10% | +14.16% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.08% | 9.70% | -9.78% | 15th bottom |
| Loan Growth (Y/Y) | -1.66% | 8.07% | -9.73% | 11th bottom |
| Deposit Growth (Y/Y) | -1.17% | 7.88% | -9.05% | 13th bottom |
See Texas Bank and Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Texas Bank and Trust Company, 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 and Trust Company profile, how to read a UBPR, or how this data updates.