Texas National Bank of Jacksonville: 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 Jacksonville of Jacksonville, 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 | 1.51% | 1.34% | +0.17% | 64th above |
| ROAE | 15.66% | 13.31% | +2.35% | 69th above |
| Net Interest Margin | 3.94% | 3.93% | +0.01% | 50th above |
| Efficiency Ratio | 50.73% | 61.15% | -10.42% | 79th top |
| PPNR / Avg Assets | 2.02% | 1.68% | +0.34% | 73rd above |
| Yield on Earning Assets | 6.29% | 5.67% | +0.62% | 80th top |
| Cost of Funds | 2.68% | 1.88% | +0.80% | 11th bottom |
| Net Interest Spread | 3.05% | 3.32% | -0.27% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.00% | 0.94% | +0.06% | 28th below |
| NPA / Total Assets | 1.19% | 0.70% | +0.49% | 16th bottom |
| NCO / Avg Loans | 0.20% | 0.16% | +0.04% | 12th bottom |
| ACL / Total Loans | 1.85% | 1.28% | +0.57% | 91st top |
| ACL / NPLs (Coverage) | 184.77% | 1539.90% | -1355.13% | 45th below |
| Texas Ratio | 10.75% | 7.33% | +3.42% | 20th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 236.41% | 1396.95% | -1160.54% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.31% | 19.51% | -4.20% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.31% | 19.54% | -4.23% | 51st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.57% | 20.63% | -4.06% | 53rd above |
| Leverage Ratio | 10.08% | 12.14% | -2.06% | 34th below |
| Equity / Assets | 9.86% | 11.38% | -1.52% | 42nd below |
| TCE / Tangible Assets | 9.86% | 11.09% | -1.23% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.41% | 80.63% | +4.78% | 39th below |
| Core Deposit Ratio | 84.64% | 86.86% | -2.22% | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.52% | 6.86% | -6.34% | 22nd bottom |
| Loan Growth (Y/Y) | -4.81% | 7.91% | -12.72% | 8th bottom |
| Deposit Growth (Y/Y) | 1.81% | 6.29% | -4.48% | 34th below |
See Texas National Bank of Jacksonville'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 of Jacksonville, 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 of Jacksonville profile, how to read a UBPR, or how this data updates.