Western Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Western Bank of Lubbock, 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 | 1.74% | 1.25% | +0.49% | 75th top |
| ROAE | 19.39% | 13.17% | +6.22% | 85th top |
| Net Interest Margin | 5.61% | 3.95% | +1.66% | 98th top |
| Efficiency Ratio | 64.94% | 61.50% | +3.44% | 38th below |
| PPNR / Avg Assets | 1.97% | — | — | 70th above |
| Yield on Earning Assets | 7.45% | 5.67% | +1.78% | 98th top |
| Cost of Funds | 1.87% | 1.87% | +0.00% | 45th below |
| Net Interest Spread | 5.23% | — | — | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.93% | -0.93% | 93rd top |
| NPA / Total Assets | 0.72% | — | — | 29th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 46th below |
| ACL / Total Loans | 1.21% | — | — | 52nd above |
| Texas Ratio | 9.83% | 6.06% | +3.77% | 18th bottom |
| Provision / NCO | 12500.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.77% | 11.75% | -1.98% | 26th below |
| Equity / Assets | 8.85% | 10.98% | -2.13% | 24th bottom |
| TCE / Tangible Assets | 8.85% | — | — | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.98% | 80.44% | +16.54% | 16th bottom |
| Core Deposit Ratio | 85.77% | 86.95% | -1.18% | 33rd below |
| Wholesale Funding Ratio | 6.55% | — | — | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.77% | — | — | 93rd top |
| Loan Growth (Y/Y) | 18.20% | — | — | 91st top |
| Deposit Growth (Y/Y) | 11.01% | — | — | 85th top |
See Western Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Western 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 Western 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 Western Bank peer analysis.