Avidbank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Avidbank of San Jose, CA against its peer group of 941 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 | 1.26% | 1.34% | -0.08% | 46th below |
| ROAE | 10.60% | 12.40% | -1.80% | 36th below |
| Net Interest Margin | 4.31% | 3.83% | +0.48% | 82nd top |
| Efficiency Ratio | 54.11% | 57.84% | -3.73% | 61st above |
| PPNR / Avg Assets | 2.16% | — | — | 75th top |
| Yield on Earning Assets | 6.35% | 5.71% | +0.64% | 86th top |
| Cost of Funds | 2.28% | 2.02% | +0.26% | 31st below |
| Net Interest Spread | 3.36% | — | — | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.43% | 1.00% | +0.43% | 21st bottom |
| NPA / Total Assets | 1.20% | — | — | 20th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.35% | 0.43% | -0.08% | 12th bottom |
| ACL / Total Loans | 0.97% | — | — | 26th below |
| ACL / NPLs (Coverage) | 67.77% | — | — | 15th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.39% | 5.47% | -1.08% | 43rd below |
| Provision / NCO | 83.67% | — | — | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.83% | 14.99% | -3.16% | 20th bottom |
| Tier 1 Ratio | 11.83% | 15.02% | -3.19% | 20th bottom |
| Total Capital Ratio | 12.77% | — | — | 17th bottom |
| Leverage Ratio | 11.99% | 11.11% | +0.88% | 76th top |
| Equity / Assets | 11.60% | 11.02% | +0.58% | 70th above |
| TCE / Tangible Assets | 11.60% | — | — | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.67% | 86.99% | +8.68% | 27th below |
| Core Deposit Ratio | 73.85% | 85.57% | -11.72% | 13th bottom |
| Uninsured Deposit Ratio | 39.51% | 33.19% | +6.32% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.21% | — | — | 79th top |
| Loan Growth (Y/Y) | 16.34% | — | — | 88th top |
| Deposit Growth (Y/Y) | 16.04% | — | — | 86th top |
See Avidbank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Avidbank, 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 Avidbank 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 Avidbank peer analysis.