Texas Heritage National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Texas Heritage National Bank of Daingerfield, 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 | 1.59% | 1.34% | +0.25% | 68th above |
| ROAE | 15.79% | 13.31% | +2.48% | 70th above |
| Net Interest Margin | 3.67% | 3.93% | -0.26% | 35th below |
| Efficiency Ratio | 62.22% | 61.14% | +1.08% | 48th below |
| PPNR / Avg Assets | 1.70% | 1.68% | +0.02% | 57th above |
| Yield on Earning Assets | 6.78% | 5.67% | +1.11% | 92nd top |
| Cost of Funds | 3.42% | 1.88% | +1.54% | 2nd bottom |
| Net Interest Spread | 3.29% | 3.32% | -0.03% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.26% | 0.94% | +0.32% | 23rd bottom |
| NPA / Total Assets | 1.17% | 0.70% | +0.47% | 17th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 30th below |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) | 101.43% | 1540.10% | -1438.67% | 28th below |
| Texas Ratio | 10.44% | 7.33% | +3.11% | 21st bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 355.35% | 1396.92% | -1041.57% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.14% | 19.51% | -8.37% | 9th bottom |
| Tier 1 Ratio | 11.14% | 19.55% | -8.41% | 9th bottom |
| Total Capital Ratio | 12.35% | 20.63% | -8.28% | 10th bottom |
| Leverage Ratio | 10.17% | 12.14% | -1.97% | 35th below |
| Equity / Assets | 10.14% | 11.38% | -1.24% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.13% | 11.09% | -0.96% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.96% | 80.62% | +18.34% | 13th bottom |
| Core Deposit Ratio | 66.34% | 86.88% | -20.54% | 3rd bottom |
| Wholesale Funding Ratio | 2.67% | 5.04% | -2.37% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.14% | 6.86% | -7.00% | 18th bottom |
| Loan Growth (Y/Y) | -2.56% | 7.91% | -10.47% | 13th bottom |
| Deposit Growth (Y/Y) | -1.88% | 6.30% | -8.18% | 14th bottom |
See Texas Heritage National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Texas Heritage National 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 National Bank profile, how to read a UBPR, or how this data updates.