Texas Regional Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Texas Regional Bank of Harlingen, 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 | 0.58% | 1.46% | -0.88% | 11th bottom |
| ROAE | 6.65% | 12.72% | -6.07% | 15th bottom |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.73% | 3.85% | -0.12% | 52nd above |
| Efficiency Ratio | 82.88% | 57.38% | +25.50% | 5th bottom |
| PPNR / Avg Assets | 0.68% | 1.88% | -1.20% | 7th bottom |
| Yield on Earning Assets | 5.72% | 5.72% | +0.00% | 61st above |
| Cost of Funds | 2.06% | 2.02% | +0.04% | 47th below |
| Net Interest Spread | 2.75% | 3.18% | -0.43% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.60% | 1.00% | -0.40% | 52nd above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.67% | 0.76% | -0.09% | 38th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.43% | -0.32% | 28th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.15% | 1.31% | -0.16% | 50th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 192.10% | 543.76% | -351.66% | 53rd above |
| Texas Ratio | 8.37% | 7.39% | +0.98% | 29th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 568.05% | 618.67% | -50.62% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.06% | 17.34% | -5.28% | 26th below |
| Tier 1 Ratio | 12.06% | 17.38% | -5.32% | 25th below |
| Total Capital Ratio | 13.08% | 18.43% | -5.35% | 24th bottom |
| Leverage Ratio | 8.77% | 11.44% | -2.67% | 8th bottom |
| Equity / Assets | 9.19% | 11.34% | -2.15% | 25th below |
| TCE / Tangible Assets | 7.43% | 10.50% | -3.07% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.40% | 86.97% | -14.57% | 83rd top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.86% | 85.55% | +2.31% | 46th below |
| Uninsured Deposit Ratio | 53.69% | 33.10% | +20.59% | 6th bottom |
| Wholesale Funding Ratio | 3.81% | 5.71% | -1.90% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.19% | 9.69% | -7.50% | 30th below |
| Loan Growth (Y/Y) | 12.54% | 8.05% | +4.49% | 80th top |
| Deposit Growth (Y/Y) | -0.17% | 7.88% | -8.05% | 18th bottom |
See Texas Regional Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Texas Regional 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 Regional Bank profile, how to read a UBPR, or how this data updates.