Bank of the Orient: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of the Orient of San Francisco, 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 | 0.66% | 1.44% | -0.78% | 13th bottom |
| ROAE | 5.72% | 12.51% | -6.79% | 12th bottom |
| Net Interest Margin | 3.36% | 3.84% | -0.48% | 29th below |
| Efficiency Ratio | 68.92% | 58.86% | +10.06% | 22nd bottom |
| PPNR / Avg Assets | 1.03% | 1.78% | -0.75% | 16th bottom |
| Yield on Earning Assets | 5.99% | 5.71% | +0.28% | 75th top |
| Cost of Funds | 2.96% | 2.03% | +0.93% | 9th bottom |
| Net Interest Spread | 2.67% | 3.18% | -0.51% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.77% | 0.96% | -0.19% | 42nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.63% | 0.75% | -0.12% | 40th below |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 78th top |
| ACL / Total Loans | 1.38% | 1.25% | +0.13% | 79th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 179.42% | 699.42% | -520.00% | 51st above |
| Texas Ratio | 14.16% | 7.15% | +7.01% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.65% | 11.60% | +0.05% | 72nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.31% | 11.33% | -0.02% | 65th above |
| TCE / Tangible Assets | 11.31% | 10.65% | +0.66% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.26% | 86.34% | +7.92% | 32nd below |
| Core Deposit Ratio | 76.93% | 85.57% | -8.64% | 16th bottom |
| Uninsured Deposit Ratio | 18.48% | 32.72% | -14.24% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 18.92% | 10.45% | +8.47% | 90th top |
| Loan Growth (Y/Y) | 18.94% | 7.98% | +10.96% | 90th top |
| Deposit Growth (Y/Y) | 21.49% | 7.96% | +13.53% | 91st top |
See Bank of the Orient's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of the Orient, 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 the Orient profile, how to read a UBPR, or how this data updates.