TXN Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks TXN Bank of Hondo, 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 | 1.01% | 1.25% | -0.24% | 33rd below |
| ROAE | 13.66% | 12.22% | +1.44% | 57th above |
| Net Interest Margin | 3.45% | 3.95% | -0.50% | 25th below |
| Efficiency Ratio | 66.71% | 63.71% | +3.00% | 35th below |
| PPNR / Avg Assets | 1.20% | — | — | 28th below |
| Yield on Earning Assets | 5.01% | 5.67% | -0.66% | 23rd bottom |
| Cost of Funds | 1.57% | 1.87% | -0.30% | 65th above |
| Net Interest Spread | 2.88% | — | — | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.98% | 0.88% | +0.10% | 28th below |
| NPA / Total Assets | 0.49% | — | — | 39th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.15% | -0.10% | 25th below |
| ACL / Total Loans | 1.32% | — | — | 65th above |
| ACL / NPLs (Coverage) | 134.84% | — | — | 36th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.94% | 5.96% | -0.02% | 31st below |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.68% | 11.75% | -2.07% | 25th below |
| Equity / Assets | 7.66% | 10.98% | -3.32% | 10th bottom |
| TCE / Tangible Assets | 7.60% | — | — | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.69% | 80.44% | -25.75% | 89th top |
| Core Deposit Ratio | 91.83% | 86.95% | +4.88% | 66th above |
| Wholesale Funding Ratio | 0.27% | — | — | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.93% | — | — | 61st above |
| Loan Growth (Y/Y) | 1.06% | — | — | 26th below |
| Deposit Growth (Y/Y) | 4.53% | — | — | 54th above |
See TXN Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock TXN 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 TXN 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 TXN Bank peer analysis.