Texas Heritage Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Texas Heritage Bank of Boerne, TX against its peer group of 2731 similarly-sized US banks as of Q3 2025. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.46% | 1.20% | +0.26% | 66th better half |
| ROAE | 11.79% | 12.12% | -0.33% | 48th worse half |
| Net Interest Margin | 5.46% | 3.82% | +1.64% | 96th best quarter |
| Efficiency Ratio | 68.89% | 61.96% | +6.93% | 69th worse half |
| PPNR / Avg Assets | 1.72% | 1.51% | +0.21% | 61st better half |
| Yield on Earning Assets | 6.69% | 5.63% | +1.06% | 87th |
| Cost of Funds | 1.34% | 1.97% | -0.63% | 17th best quarter |
| Net Interest Spread | 4.53% | 3.14% | +1.39% | 95th best quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.07% | 0.39% | -0.32% | 24th best quarter |
| NPA / Total Assets | 0.05% | 0.28% | -0.23% | 24th best quarter |
| NCO / Avg Loans | 0.01% | 0.00% | +0.01% | 56th worse half |
| ACL / Total Loans | 1.11% | 1.20% | -0.09% | 40th |
| ACL / NPLs (Coverage) | 1579.49% | 243.02% | +1336.47% | — |
| Texas Ratio | 0.50% | 2.44% | -1.94% | 24th best quarter |
| Provision / NCO | 4833.33% | 147.01% | +4686.32% | — |
| CRE / Total Capital | 275.67% | 121.84% | +153.83% | 90th worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 13.97% | 14.82% | -0.85% | 41st worse half |
| Tier 1 Ratio | 13.97% | 14.86% | -0.89% | 41st worse half |
| Total Capital Ratio | 15.22% | 15.98% | -0.76% | 42nd worse half |
| Leverage Ratio | 9.94% | 10.88% | -0.94% | 32nd worse half |
| Equity / Assets | 12.35% | 10.14% | +2.21% | 76th best quarter |
| TCE / Tangible Assets | 9.77% | 9.90% | -0.13% | 48th worse half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 84.60% | 79.86% | +4.74% | 60th |
| Core Deposit Ratio | 92.51% | 88.93% | +3.58% | 71st better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.46% | 3.97% | -1.51% | 38th |
| Loan Growth (Y/Y) | 2.17% | 5.36% | -3.19% | 31st |
| Deposit Growth (Y/Y) | 6.21% | 4.25% | +1.96% | 62nd |
See Texas Heritage Bank's peers by name
The 2731 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 Heritage 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 Heritage Bank peer analysis.