Trusttexas Bank, S.S.B.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Trusttexas Bank, S.S.B. of Cuero, 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 | 0.24% | 1.34% | -1.10% | 7th bottom |
| ROAE | 22.73% | 13.31% | +9.42% | 93rd top |
| Net Interest Margin | 2.55% | 3.93% | -1.38% | 4th bottom |
| Efficiency Ratio | 82.37% | 61.13% | +21.24% | 12th bottom |
| PPNR / Avg Assets | 0.36% | 1.68% | -1.32% | 6th bottom |
| Yield on Earning Assets | 4.10% | 5.67% | -1.57% | 3rd bottom |
| Cost of Funds | 1.65% | 1.88% | -0.23% | 60th above |
| Net Interest Spread | 2.17% | 3.32% | -1.15% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.67% | 0.94% | -0.27% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.36% | 0.70% | -0.34% | 46th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 30th below |
| ACL / Total Loans | 0.88% | 1.28% | -0.40% | 15th bottom |
| ACL / NPLs (Coverage) | 130.31% | 1539.26% | -1408.95% | 36th below |
| Texas Ratio | 18.62% | 7.33% | +11.29% | 9th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 566.67% | 1395.97% | -829.30% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.45% | 19.50% | -2.05% | 66th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.45% | 19.54% | -2.09% | 66th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.47% | 20.62% | -2.15% | 65th above |
| Leverage Ratio | 8.02% | 12.14% | -4.12% | 3rd bottom |
| Equity / Assets | 1.48% | 11.38% | -9.90% | 0th bottom |
| TCE / Tangible Assets | 1.48% | 11.10% | -9.62% | 0th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.40% | 80.65% | -25.25% | 87th top |
| Core Deposit Ratio | 89.87% | 86.86% | +3.01% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.77% | 6.85% | +3.92% | 85th top |
| Loan Growth (Y/Y) | 20.87% | 7.90% | +12.97% | 93rd top |
| Deposit Growth (Y/Y) | 8.51% | 6.29% | +2.22% | 78th top |
See Trusttexas Bank, S.S.B.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Trusttexas Bank, S.S.B., 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 Trusttexas Bank, S.S.B. profile, how to read a UBPR, or how this data updates.