Transact Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Transact Bank, N.A. of Denver, CO against its peer group of 536 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 | -0.18% | 3.33% | -3.51% | 13th bottom |
| ROAE | -1.12% | 8.30% | -9.42% | 13th bottom |
| Net Interest Margin | 2.33% | 3.93% | -1.60% | 5th bottom |
| Efficiency Ratio | 100.52% | 84.44% | +16.08% | 12th bottom |
| PPNR / Avg Assets | -0.18% | 1.56% | -1.74% | 11th bottom |
| Yield on Earning Assets | 4.75% | 5.24% | -0.49% | 30th below |
| Cost of Funds | 1.95% | 1.67% | +0.28% | 31st below |
| Net Interest Spread | 1.60% | 3.30% | -1.70% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 0.00% | 1.53% | -1.53% | 0th bottom |
| Texas Ratio | 0.00% | 8.57% | -8.57% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 40.68% | 127.00% | -86.32% | 74th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 40.68% | 127.02% | -86.34% | 74th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 40.68% | 127.91% | -87.23% | 74th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 16.27% | 22.09% | -5.82% | 71st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 16.49% | 20.73% | -4.24% | 72nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 16.49% | 20.48% | -3.99% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 43.92% | 74.31% | -30.39% | 79th top |
| Core Deposit Ratio | 100.00% | 88.29% | +11.71% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.57% | 3.82% | -0.25% | 56th above |
| Loan Growth (Y/Y) | -5.24% | 6.87% | -12.11% | 19th bottom |
| Deposit Growth (Y/Y) | 8.14% | 2.97% | +5.17% | 78th top |
See Transact Bank, N.A.'s peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Transact 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 Transact Bank, N.A. profile, how to read a UBPR, or how this data updates.