Bank of Stockton: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Stockton of Stockton, CA against its peer group of 931 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 | 7.63% | 1.45% | +6.18% | 99th top |
| ROAE | 39.71% | 12.66% | +27.05% | 99th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.75% | 3.85% | -0.10% | 53rd above |
| Efficiency Ratio | 47.32% | 57.42% | -10.10% | 81st top |
| PPNR / Avg Assets | 2.31% | 1.88% | +0.43% | 82nd top |
| Yield on Earning Assets | 4.81% | 5.72% | -0.91% | 13th bottom |
| Cost of Funds | 1.32% | 2.02% | -0.70% | 87th top |
| Net Interest Spread | 2.99% | 3.18% | -0.19% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 1.00% | -0.92% | 90th top |
| NPA / Total Assets | 0.04% | 0.76% | -0.72% | 92nd top |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 89th top |
| ACL / Total Loans | 3.19% | 1.31% | +1.88% | 99th top |
| ACL / NPLs (Coverage) | 3918.50% | 536.66% | +3381.84% | — |
| Texas Ratio | 0.20% | 7.40% | -7.20% | 94th top |
| Provision / NCO | 0.00% | 620.02% | -620.02% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.81% | 17.33% | +1.48% | 89th top |
| Tier 1 Ratio | 18.81% | 17.36% | +1.45% | 89th top |
| Total Capital Ratio | 20.07% | 18.41% | +1.66% | 89th top |
| Leverage Ratio | 19.95% | 11.42% | +8.53% | 98th top |
| Equity / Assets | 19.53% | 11.32% | +8.21% | 98th top |
| TCE / Tangible Assets | 18.94% | 10.48% | +8.46% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.33% | 86.99% | -21.66% | 90th top |
| Core Deposit Ratio | 93.86% | 85.54% | +8.32% | 79th top |
| Uninsured Deposit Ratio | 45.23% | 33.10% | +12.13% | 16th bottom |
| Wholesale Funding Ratio | 0.01% | 5.72% | -5.71% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.62% | 9.69% | -2.07% | 66th above |
| Loan Growth (Y/Y) | 4.09% | 8.06% | -3.97% | 41st below |
| Deposit Growth (Y/Y) | 3.36% | 7.88% | -4.52% | 39th below |
See Bank of Stockton's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Stockton, 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 Stockton profile, how to read a UBPR, or how this data updates.