Wellington State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wellington State Bank of Wellington, 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 Behind the peer average, ahead of the median peer. | 1.33% | 1.34% | -0.01% | 54th above |
| ROAE | 17.66% | 13.31% | +4.35% | 78th top |
| Net Interest Margin | 4.03% | 3.93% | +0.10% | 55th above |
| Efficiency Ratio | 63.02% | 61.14% | +1.88% | 45th below |
| PPNR / Avg Assets | 1.44% | 1.68% | -0.24% | 41st below |
| Yield on Earning Assets | 5.74% | 5.67% | +0.07% | 56th above |
| Cost of Funds | 1.76% | 1.88% | -0.12% | 53rd above |
| Net Interest Spread | 3.34% | 3.32% | +0.02% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.27% | 0.94% | +4.33% | 2nd bottom |
| NPA / Total Assets | 2.84% | 0.70% | +2.14% | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.16% | -0.09% | 22nd bottom |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 75th top |
| ACL / NPLs (Coverage) | 27.70% | 1539.73% | -1512.03% | 3rd bottom |
| Texas Ratio | 35.39% | 7.31% | +28.08% | 2nd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 354.90% | 1396.50% | -1041.60% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.54% | 19.51% | -2.97% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.54% | 19.54% | -3.00% | 61st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.79% | 20.62% | -2.83% | 62nd above |
| Leverage Ratio | 9.55% | 12.14% | -2.59% | 23rd bottom |
| Equity / Assets | 7.62% | 11.38% | -3.76% | 10th bottom |
| TCE / Tangible Assets | 7.28% | 11.10% | -3.82% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.31% | 80.65% | -23.34% | 86th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.97% | 86.86% | +0.11% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.25% | 6.85% | +3.40% | 83rd top |
| Loan Growth (Y/Y) | -1.86% | 7.91% | -9.77% | 16th bottom |
| Deposit Growth (Y/Y) | 9.72% | 6.29% | +3.43% | 82nd top |
See Wellington State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wellington State 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 Wellington State Bank profile, how to read a UBPR, or how this data updates.