Texas State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Texas State Bank of San Angelo, TX against its peer group of 2757 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 | 2.73% | 1.25% | +1.48% | 96th top |
| ROAE | 21.46% | 12.22% | +9.24% | 90th top |
| Net Interest Margin | 4.73% | 3.95% | +0.78% | 86th top |
| Efficiency Ratio | 50.71% | 63.71% | -13.00% | 79th top |
| PPNR / Avg Assets | 2.78% | — | — | 94th top |
| Yield on Earning Assets | 5.45% | 5.67% | -0.22% | 42nd below |
| Cost of Funds | 0.77% | 1.87% | -1.10% | 96th top |
| Net Interest Spread | 4.08% | — | — | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 87th top |
| ACL / Total Loans | 0.94% | — | — | 20th bottom |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.58% | 11.75% | +1.83% | 79th top |
| Equity / Assets | 12.77% | 10.98% | +1.79% | 77th top |
| TCE / Tangible Assets | 12.75% | — | — | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.35% | 80.44% | -1.09% | 53rd above |
| Core Deposit Ratio | 96.21% | 86.95% | +9.26% | 90th top |
| Wholesale Funding Ratio | 3.52% | — | — | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.24% | — | — | 33rd below |
| Loan Growth (Y/Y) | 9.78% | — | — | 72nd above |
| Deposit Growth (Y/Y) | 4.89% | — | — | 56th above |
See Texas State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Texas State 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 State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Texas State Bank peer analysis.