Professional Bank, National Association
Dallas, TX · Cert 57665 · Peer group: banks over $10B in assets (n=139)
FDIC · 34 branches
Q3 2025
$12.7BAssets
$9.7BLoans
$10.8BDeposits
$1.8BEquity
Executive Summary
- Strongest standing: equity / assets outperforms 83% of banks over $10B in assets (rank 24 of 139).
- Widest gap: total risk-based capital ratio trails 89% of banks over $10B in assets (rank 124 of 139).
- Overall: at or above the peer median on 3 of 10 directional measures.
Return on Assets
0.88%
Rank 95 of 139
Net Interest Margin
3.26%
Rank 46 of 139
Efficiency Ratio
61.12%
Rank 92 of 139
Equity / Assets
13.86%
Rank 24 of 139
Non-interest income vs. expense
Unfavorable gap of $222.3M · efficiency ratio beats 35% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.83% | 1.07% | 1.38% | Beats 32% | 95 / 139 | | |
| Return on Equity | 6.37% | 7.14% | 9.86% | 12.22% | Beats 19% | 113 / 139 | | |
| Net Interest Margin | 3.26% | 2.66% | 3.07% | 3.44% | Beats 67% | 46 / 139 | | |
| Efficiency Ratio | 61.12% | 50.54% | 57.02% | 62.91% | Beats 35% | 92 / 139 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.17% | 0.45% | 0.73% | 1.10% | Beats 22% | 109 / 139 | | |
| Net Charge-Offs / Loans | 0.18% | 0.10% | 0.20% | 0.38% | Beats 57% | 61 / 139 | | |
| Capital |
| Tier 1 Capital Ratio | 11.78% | 12.15% | 13.22% | 15.44% | Beats 17% | 116 / 139 | | |
| Total Risk-Based Capital Ratio | 12.86% | 13.49% | 14.61% | 16.34% | Beats 11% | 124 / 139 | | |
| Equity / Assets | 13.86% | 9.47% | 11.24% | 12.80% | Beats 83% | 24 / 139 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.32% | 73.53% | 82.87% | 90.09% | 73rd pctl | 37 / 139 | | |
| Loans / Assets | 75.97% | 58.63% | 68.21% | 74.46% | 81st pctl | 26 / 139 | | |
| Brokered Deposits / Deposits | 15.97% | 0.83% | 4.15% | 8.51% | Beats 13% | 122 / 139 | n/a | |