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 McAllen, TX against its peer group of 931 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 | 1.19% | 1.46% | -0.27% | 43rd below |
| ROAE Behind the peer average, ahead of the median peer. | 12.66% | 12.72% | -0.06% | 52nd above |
| Net Interest Margin | 4.41% | 3.85% | +0.56% | 86th top |
| Efficiency Ratio | 65.37% | 57.40% | +7.97% | 30th below |
| PPNR / Avg Assets | 1.59% | 1.88% | -0.29% | 42nd below |
| Yield on Earning Assets | 6.69% | 5.72% | +0.97% | 92nd top |
| Cost of Funds | 2.29% | 2.02% | +0.27% | 31st below |
| Net Interest Spread | 3.49% | 3.18% | +0.31% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 1.00% | -0.76% | 78th top |
| NPA / Total Assets | 0.21% | 0.76% | -0.55% | 74th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.43% | -0.34% | 30th below |
| ACL / Total Loans | 1.39% | 1.31% | +0.08% | 80th top |
| ACL / NPLs (Coverage) | 585.29% | 543.33% | +41.96% | 84th top |
| Texas Ratio | 2.32% | 7.39% | -5.07% | 74th above |
| Provision / NCO | 84.65% | 618.90% | -534.25% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.07% | 17.34% | -2.27% | 71st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.07% | 17.37% | -2.30% | 70th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.33% | 18.42% | -2.09% | 71st above |
| Leverage Ratio | 10.17% | 11.44% | -1.27% | 42nd below |
| Equity / Assets | 9.45% | 11.34% | -1.89% | 31st below |
| TCE / Tangible Assets | 9.36% | 10.50% | -1.14% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.82% | 86.96% | -16.14% | 85th top |
| Core Deposit Ratio | 79.93% | 85.56% | -5.63% | 20th bottom |
| Wholesale Funding Ratio | 1.95% | 5.71% | -3.76% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 24.10% | 9.67% | +14.43% | 93rd top |
| Loan Growth (Y/Y) | 12.96% | 8.05% | +4.91% | 81st top |
| Deposit Growth (Y/Y) | 25.66% | 7.86% | +17.80% | 93rd top |
See Texas National Bank's peers by name
The 931 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.