Texas Exchange Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Texas Exchange Bank of Crowley, TX against its peer group of 941 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 | -0.75% | 1.34% | -2.09% | 1st bottom |
| ROAE | -6.15% | 12.34% | -18.49% | 1st bottom |
| Net Interest Margin | 1.96% | 3.83% | -1.87% | 1st bottom |
| Efficiency Ratio | 113.52% | 58.97% | +54.55% | 0th bottom |
| PPNR / Avg Assets | -0.67% | — | — | 0th bottom |
| Yield on Earning Assets | 5.12% | 5.71% | -0.59% | 26th below |
| Cost of Funds | 3.53% | 2.02% | +1.51% | 2nd bottom |
| Net Interest Spread | 2.72% | — | — | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.87% | -0.87% | 99th top |
| NPA / Total Assets | 0.00% | — | — | 98th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 83rd top |
| ACL / Total Loans | 1.39% | — | — | 80th top |
| Texas Ratio | 0.00% | 5.48% | -5.48% | 98th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 30.06% | 14.99% | +15.07% | 97th top |
| Tier 1 Ratio | 30.06% | 15.02% | +15.04% | 97th top |
| Total Capital Ratio | 30.82% | — | — | 97th top |
| Leverage Ratio | 12.44% | 11.11% | +1.33% | 80th top |
| Equity / Assets | 8.21% | 11.02% | -2.81% | 9th bottom |
| TCE / Tangible Assets | 8.20% | — | — | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 26.23% | 86.99% | -60.76% | 98th top |
| Core Deposit Ratio | 3.68% | 85.57% | -81.89% | 0th bottom |
| Uninsured Deposit Ratio | 1.30% | 33.19% | -31.89% | 100th top |
| Wholesale Funding Ratio | 31.54% | — | — | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 42.54% | — | — | 98th top |
| Loan Growth (Y/Y) | -23.70% | — | — | 1st bottom |
| Deposit Growth (Y/Y) | 2.07% | — | — | 29th below |
See Texas Exchange Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Texas Exchange 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 Exchange 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 Exchange Bank peer analysis.