Texas Champion Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Texas Champion Bank of Corpus Christi, 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 | 0.96% | 1.34% | -0.38% | 31st below |
| ROAE | 8.88% | 13.32% | -4.44% | 30th below |
| Net Interest Margin | 4.52% | 3.93% | +0.59% | 80th top |
| Efficiency Ratio | 75.97% | 61.13% | +14.84% | 18th bottom |
| PPNR / Avg Assets | 1.08% | 1.68% | -0.60% | 24th bottom |
| Yield on Earning Assets | 6.34% | 5.67% | +0.67% | 82nd top |
| Cost of Funds | 1.95% | 1.88% | +0.07% | 40th below |
| Net Interest Spread | 3.55% | 3.32% | +0.23% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.94% | -0.55% | 51st above |
| NPA / Total Assets | 0.83% | 0.70% | +0.13% | 25th below |
| NCO / Avg Loans | -0.12% | 0.16% | -0.28% | 97th top |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 46th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 299.63% | 1539.25% | -1239.62% | 60th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.32% | 7.33% | -0.01% | 30th below |
| Provision / NCO | -454.55% | 1396.68% | -1851.23% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.48% | 12.14% | -1.66% | 41st below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.93% | 11.37% | -0.44% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.52% | 11.09% | -0.57% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.39% | 80.63% | +24.76% | 6th bottom |
| Core Deposit Ratio | 84.58% | 86.86% | -2.28% | 29th below |
| Wholesale Funding Ratio | 12.98% | 5.03% | +7.95% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.74% | 6.86% | -7.60% | 15th bottom |
| Loan Growth (Y/Y) | 0.88% | 7.91% | -7.03% | 26th below |
| Deposit Growth (Y/Y) | -0.61% | 6.29% | -6.90% | 20th bottom |
See Texas Champion Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Texas Champion 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 Champion Bank profile, how to read a UBPR, or how this data updates.