Texas Republic Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Texas Republic Bank, N.A. of Frisco, 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 | 1.78% | 1.35% | +0.43% | 77th top |
| ROAE | 13.05% | 12.05% | +1.00% | 54th above |
| Net Interest Margin | 5.19% | 3.90% | +1.29% | 95th top |
| Efficiency Ratio | 53.37% | 63.15% | -9.78% | 74th above |
| PPNR / Avg Assets | 2.45% | 1.64% | +0.81% | 88th top |
| Yield on Earning Assets | 7.26% | 5.65% | +1.61% | 97th top |
| Cost of Funds | 2.34% | 1.85% | +0.49% | 20th bottom |
| Net Interest Spread | 4.05% | 3.35% | +0.70% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.06% | 0.92% | +0.14% | 27th below |
| NPA / Total Assets | 1.11% | 0.67% | +0.44% | 18th bottom |
| NCO / Avg Loans | -0.07% | 0.15% | -0.22% | 95th top |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 67th above |
| ACL / NPLs (Coverage) | 126.66% | 1645.78% | -1519.12% | 35th below |
| Texas Ratio | 7.63% | 7.15% | +0.48% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.35% | 12.46% | +0.89% | 77th top |
| Equity / Assets | 13.58% | 11.67% | +1.91% | 82nd top |
| TCE / Tangible Assets | 13.39% | 11.40% | +1.99% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 113.71% | 78.63% | +35.08% | 2nd bottom |
| Core Deposit Ratio | 86.99% | 87.09% | -0.10% | 39th below |
| Wholesale Funding Ratio | 9.33% | 5.11% | +4.22% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.75% | 6.47% | -2.72% | 45th below |
| Loan Growth (Y/Y) | 8.28% | 7.64% | +0.64% | 66th above |
| Deposit Growth (Y/Y) | 3.40% | 6.02% | -2.62% | 45th below |
See Texas Republic Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Texas Republic Bank, N.A., 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 Republic Bank, N.A. profile, how to read a UBPR, or how this data updates.