Boc Bank
McLean, TX · Cert 25328 · Peer group: banks under $1B in assets in TX (n=208-211)
State charter, Fed member · FED · 4 branches
Q2 2026
$203.4MAssets
$151.8MLoans
$176.7MDeposits
$25.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: tier 1 capital ratio trails 40% of banks under $1B in assets in TX (rank 84 of 211).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.61%
Rank 56 of 211
Net Interest Margin
4.22%
Rank 67 of 211
Efficiency Ratio
56.08%
Rank 67 of 211
Equity / Assets
12.67%
Rank 60 of 211
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 69% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.87% | 1.20% | 1.65% | Beats 73% | 56 / 211 | | |
| Return on Equity | 12.74% | 7.52% | 11.67% | 14.58% | Beats 60% | 85 / 211 | | |
| Net Interest Margin | 4.22% | 3.28% | 3.82% | 4.31% | Beats 68% | 67 / 211 | | |
| Efficiency Ratio | 56.08% | 53.01% | 64.18% | 73.65% | Beats 69% | 67 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 16.02% | 11.72% | 14.45% | 19.57% | Beats 60% | 84 / 211 | | |
| Total Risk-Based Capital Ratio | 17.27% | 11.94% | 14.78% | 20.30% | Beats 63% | 78 / 211 | | |
| Equity / Assets | 12.67% | 9.41% | 11.06% | 12.94% | Beats 72% | 60 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.88% | 45.39% | 66.56% | 82.03% | 83rd pctl | 36 / 208 | | |
| Loans / Assets | 74.64% | 39.13% | 56.90% | 70.46% | 86th pctl | 29 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |