Valuebank Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Valuebank Texas of Corpus Christi, 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 | 1.41% | 1.25% | +0.16% | 57th above |
| ROAE | 11.60% | 12.22% | -0.62% | 45th below |
| Net Interest Margin | 4.84% | 3.95% | +0.89% | 89th top |
| Efficiency Ratio | 66.78% | 63.71% | +3.07% | 34th below |
| PPNR / Avg Assets | 1.76% | — | — | 59th above |
| Yield on Earning Assets | 5.77% | 5.67% | +0.10% | 57th above |
| Cost of Funds | 1.00% | 1.87% | -0.87% | 91st top |
| Net Interest Spread | 4.09% | — | — | 86th 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 | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.01% | — | — | 27th below |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.54% | 11.75% | +0.79% | 70th above |
| Equity / Assets | 12.19% | 10.98% | +1.21% | 72nd above |
| TCE / Tangible Assets | 12.19% | — | — | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.23% | 80.44% | -17.21% | 80th top |
| Core Deposit Ratio | 96.82% | 86.95% | +9.87% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.74% | — | — | 23rd bottom |
| Loan Growth (Y/Y) | 7.96% | — | — | 64th above |
| Deposit Growth (Y/Y) | 0.65% | — | — | 27th below |
See Valuebank Texas's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Valuebank Texas, 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 Valuebank Texas 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 Valuebank Texas peer analysis.