Texas National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Texas National Bank of Sweetwater, 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 | 0.39% | 1.34% | -0.95% | 10th bottom |
| ROAE | 5.81% | 13.32% | -7.51% | 17th bottom |
| Net Interest Margin | 3.10% | 3.93% | -0.83% | 13th bottom |
| Efficiency Ratio | 85.88% | 61.14% | +24.74% | 9th bottom |
| PPNR / Avg Assets | 0.39% | 1.68% | -1.29% | 6th bottom |
| Yield on Earning Assets | 3.95% | 5.67% | -1.72% | 2nd bottom |
| Cost of Funds | 0.91% | 1.88% | -0.97% | 93rd top |
| Net Interest Spread | 2.52% | 3.32% | -0.80% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 30th below |
| ACL / Total Loans | 1.40% | 1.28% | +0.12% | 71st above |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.05% | 19.50% | +5.55% | 89th top |
| Tier 1 Ratio | 25.05% | 19.53% | +5.52% | 89th top |
| Total Capital Ratio | 25.99% | 20.62% | +5.37% | 88th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.97% | 12.14% | -1.17% | 50th above |
| Equity / Assets | 7.37% | 11.37% | -4.00% | 8th bottom |
| TCE / Tangible Assets | 6.91% | 11.09% | -4.18% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 33.57% | 80.64% | -47.07% | 97th top |
| Core Deposit Ratio | 93.28% | 86.86% | +6.42% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.70% | 6.85% | -6.15% | 23rd bottom |
| Loan Growth (Y/Y) | 18.31% | 7.90% | +10.41% | 91st top |
| Deposit Growth (Y/Y) | -1.40% | 6.29% | -7.69% | 16th bottom |
See Texas 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 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 National Bank profile, how to read a UBPR, or how this data updates.