Bank of San Francisco: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of San Francisco of San Francisco, CA against its peer group of 2672 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 | 0.83% | 1.35% | -0.52% | 25th below |
| ROAE | 7.71% | 12.06% | -4.35% | 24th bottom |
| Net Interest Margin | 4.25% | 3.90% | +0.35% | 67th above |
| Efficiency Ratio | 64.91% | 63.15% | +1.76% | 39th below |
| PPNR / Avg Assets | 1.48% | 1.64% | -0.16% | 43rd below |
| Yield on Earning Assets | 5.54% | 5.65% | -0.11% | 47th below |
| Cost of Funds | 1.41% | 1.85% | -0.44% | 74th above |
| Net Interest Spread | 3.35% | 3.35% | +0.00% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.92% | -0.79% | 70th above |
| NPA / Total Assets | 0.10% | 0.67% | -0.57% | 69th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.28% | -0.09% | 50th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 933.52% | 1645.44% | -711.92% | 82nd top |
| Texas Ratio | 0.93% | 7.15% | -6.22% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.36% | 20.83% | -6.47% | 43rd below |
| Tier 1 Ratio | 14.36% | 20.87% | -6.51% | 42nd below |
| Total Capital Ratio | 15.61% | 21.94% | -6.33% | 44th below |
| Leverage Ratio | 10.92% | 12.46% | -1.54% | 49th below |
| Equity / Assets | 10.06% | 11.67% | -1.61% | 45th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.05% | 11.40% | -1.35% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.94% | 78.64% | +15.30% | 21st bottom |
| Core Deposit Ratio | 86.10% | 87.09% | -0.99% | 35th below |
| Wholesale Funding Ratio | 2.78% | 5.11% | -2.33% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 28.52% | 6.47% | +22.05% | 97th top |
| Loan Growth (Y/Y) | 26.30% | 7.63% | +18.67% | 96th top |
| Deposit Growth (Y/Y) | 27.22% | 6.02% | +21.20% | 97th top |
See Bank of San Francisco's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of San Francisco, 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 Bank of San Francisco profile, how to read a UBPR, or how this data updates.