West Texas National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Texas National Bank of Midland, TX against its peer group of 931 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 | 2.15% | 1.43% | +0.72% | 90th top |
| ROAE | 20.81% | 12.50% | +8.31% | 91st top |
| Net Interest Margin | 4.09% | 3.84% | +0.25% | 74th above |
| Efficiency Ratio | 46.48% | 58.88% | -12.40% | 84th top |
| PPNR / Avg Assets | 2.20% | 1.78% | +0.42% | 78th top |
| Yield on Earning Assets | 5.74% | 5.71% | +0.03% | 62nd above |
| Cost of Funds | 1.84% | 2.03% | -0.19% | 60th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.11% | 3.18% | -0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.67% | 0.96% | +0.71% | 15th bottom |
| NPA / Total Assets | 1.06% | 0.75% | +0.31% | 22nd bottom |
| NCO / Avg Loans | 1.19% | 0.30% | +0.89% | 4th bottom |
| ACL / Total Loans | 1.95% | 1.25% | +0.70% | 95th top |
| ACL / NPLs (Coverage) | 116.56% | 699.49% | -582.93% | 36th below |
| Texas Ratio | 9.68% | 7.16% | +2.52% | 25th below |
| Provision / NCO | 98.75% | 815.48% | -716.73% | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.75% | 17.41% | -0.66% | 82nd top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.75% | 17.44% | -0.69% | 81st top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.01% | 18.50% | -0.49% | 82nd top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.52% | 11.60% | -1.08% | 51st above |
| Equity / Assets | 10.24% | 11.33% | -1.09% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.97% | 10.65% | -0.68% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.58% | 86.38% | -27.80% | 94th top |
| Core Deposit Ratio | 95.20% | 85.55% | +9.65% | 86th top |
| Uninsured Deposit Ratio | 64.10% | 32.67% | +31.43% | 3rd bottom |
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. | 7.05% | 10.46% | -3.41% | 62nd above |
| Loan Growth (Y/Y) | 1.18% | 8.00% | -6.82% | 23rd bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.68% | 7.98% | -1.30% | 61st above |
See West Texas National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Texas National 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 West Texas National Bank profile, how to read a UBPR, or how this data updates.