Bac Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bac Community Bank of Stockton, CA 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 | 0.85% | 1.25% | -0.40% | 24th bottom |
| ROAE | 8.66% | 12.22% | -3.56% | 27th below |
| Net Interest Margin | 3.69% | 3.95% | -0.26% | 36th below |
| Efficiency Ratio | 73.36% | 63.71% | +9.65% | 21st bottom |
| PPNR / Avg Assets | 0.95% | — | — | 18th bottom |
| Yield on Earning Assets | 4.54% | 5.67% | -1.13% | 9th bottom |
| Cost of Funds | 0.91% | 1.87% | -0.96% | 93rd top |
| Net Interest Spread | 3.06% | — | — | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 0.88% | -0.70% | 67th above |
| NPA / Total Assets | 0.11% | — | — | 70th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 49th below |
| ACL / Total Loans | 1.50% | — | — | 78th top |
| ACL / NPLs (Coverage) | 831.64% | — | — | 79th top |
| Texas Ratio | 1.00% | 5.96% | -4.96% | 68th above |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.60% | 17.18% | -0.58% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.60% | 17.21% | -0.61% | 61st above |
| Total Capital Ratio | 17.85% | — | — | 62nd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.44% | 11.75% | -0.31% | 57th above |
| Equity / Assets | 9.90% | 10.98% | -1.08% | 42nd below |
| TCE / Tangible Assets | 9.90% | — | — | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.15% | 80.44% | -12.29% | 74th above |
| Core Deposit Ratio | 91.69% | 86.95% | +4.74% | 65th above |
| Wholesale Funding Ratio | 0.78% | — | — | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.36% | — | — | 7th bottom |
| Loan Growth (Y/Y) | -0.66% | — | — | 20th bottom |
| Deposit Growth (Y/Y) | -2.89% | — | — | 10th bottom |
See Bac Community Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bac Community 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 Bac Community 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 Bac Community Bank peer analysis.