West Texas State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Texas State Bank of Snyder, 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 | 1.74% | 1.34% | +0.40% | 76th top |
| ROAE | 16.59% | 13.31% | +3.28% | 74th above |
| Net Interest Margin | 4.94% | 3.93% | +1.01% | 91st top |
| Efficiency Ratio | 48.13% | 61.14% | -13.01% | 84th top |
| PPNR / Avg Assets | 2.39% | 1.68% | +0.71% | 87th top |
| Yield on Earning Assets | 7.25% | 5.67% | +1.58% | 97th top |
| Cost of Funds | 2.37% | 1.88% | +0.49% | 19th bottom |
| Net Interest Spread | 3.96% | 3.32% | +0.64% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.67% | 0.94% | +0.73% | 16th bottom |
| NPA / Total Assets | 1.86% | 0.70% | +1.16% | 9th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 37th below |
| ACL / Total Loans | 1.45% | 1.28% | +0.17% | 75th top |
| ACL / NPLs (Coverage) | 87.13% | 1539.36% | -1452.23% | 23rd bottom |
| Texas Ratio | 19.73% | 7.33% | +12.40% | 8th bottom |
| Provision / NCO | 2085.37% | 1395.04% | +690.33% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.49% | 12.14% | -1.65% | 41st below |
| Equity / Assets | 10.15% | 11.37% | -1.22% | 47th below |
| TCE / Tangible Assets | 8.91% | 11.09% | -2.18% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.33% | 80.64% | -4.31% | 59th above |
| Core Deposit Ratio | 72.57% | 86.87% | -14.30% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 27.43% | 6.84% | +20.59% | 97th top |
| Loan Growth (Y/Y) | 26.61% | 7.89% | +18.72% | 96th top |
| Deposit Growth (Y/Y) | 28.53% | 6.28% | +22.25% | 97th top |
See West Texas State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Texas 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 West Texas State Bank profile, how to read a UBPR, or how this data updates.