Texas Gulf 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 Gulf Bank, N.A. of Houston, 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 | 1.12% | 1.34% | -0.22% | 40th below |
| ROAE | 9.94% | 13.32% | -3.38% | 35th below |
| Net Interest Margin | 4.25% | 3.93% | +0.32% | 67th above |
| Efficiency Ratio | 74.79% | 61.13% | +13.66% | 20th bottom |
| PPNR / Avg Assets | 1.11% | 1.68% | -0.57% | 25th below |
| Yield on Earning Assets | 5.69% | 5.67% | +0.02% | 54th above |
| Cost of Funds | 1.60% | 1.88% | -0.28% | 63rd above |
| Net Interest Spread | 3.56% | 3.32% | +0.24% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.94% | -0.89% | 79th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 80th top |
| NCO / Avg Loans | 0.17% | 0.16% | +0.01% | 14th bottom |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 37th below |
| ACL / NPLs (Coverage) | 2270.78% | 1538.11% | +732.67% | — |
| Texas Ratio | 0.28% | 7.34% | -7.06% | 84th top |
| Provision / NCO | 1.84% | 1396.98% | -1395.14% | 20th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.98% | 12.14% | -0.16% | 65th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.27% | 11.37% | -0.10% | 63rd above |
| TCE / Tangible Assets | 11.15% | 11.09% | +0.06% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.49% | 80.64% | -1.15% | 52nd above |
| Core Deposit Ratio | 94.13% | 86.86% | +7.27% | 80th top |
| Wholesale Funding Ratio | 0.49% | 5.04% | -4.55% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.29% | 6.85% | -1.56% | 57th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.71% | 7.90% | -2.19% | 52nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.07% | 6.29% | -1.22% | 58th above |
See Texas Gulf 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 Gulf 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 Gulf Bank, N.A. profile, how to read a UBPR, or how this data updates.