Titan Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Titan Bank, N.A. of Mineral Wells, 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 | 6.35% | 1.34% | +5.01% | 99th top |
| ROAE | 77.85% | 12.03% | +65.82% | 100th top |
| Net Interest Margin | 4.15% | 3.90% | +0.25% | 62nd above |
| Efficiency Ratio | 11.17% | 63.17% | -52.00% | 100th top |
| PPNR / Avg Assets | 7.53% | 1.64% | +5.89% | 99th top |
| Yield on Earning Assets | 4.83% | 5.65% | -0.82% | 17th bottom |
| Cost of Funds | 1.11% | 1.85% | -0.74% | 88th top |
| Net Interest Spread | 2.04% | 3.35% | -1.31% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.41% | 0.92% | -0.51% | 50th above |
| NPA / Total Assets | 0.19% | 0.67% | -0.48% | 60th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 49th below |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 49th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 288.21% | 1645.72% | -1357.51% | 59th above |
| Texas Ratio | 1.91% | 7.15% | -5.24% | 63rd above |
| Provision / NCO | -5400.00% | 1193.18% | -6593.18% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 34.06% | 20.82% | +13.24% | 95th top |
| Tier 1 Ratio | 34.06% | 20.85% | +13.21% | 95th top |
| Total Capital Ratio | 35.31% | 21.93% | +13.38% | 95th top |
| Leverage Ratio | 9.16% | 12.46% | -3.30% | 15th bottom |
| Equity / Assets | 12.65% | 11.67% | +0.98% | 76th top |
| TCE / Tangible Assets | 12.65% | 11.40% | +1.25% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.39% | 78.65% | -24.26% | 88th top |
| Core Deposit Ratio | 99.73% | 87.09% | +12.64% | 99th top |
| Wholesale Funding Ratio | 0.12% | 5.12% | -5.00% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 40.13% | 6.46% | +33.67% | 98th top |
| Loan Growth (Y/Y) | 24.10% | 7.63% | +16.47% | 95th top |
| Deposit Growth (Y/Y) | 35.77% | 6.01% | +29.76% | 98th top |
See Titan 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 Titan 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 Titan Bank, N.A. profile, how to read a UBPR, or how this data updates.