Bank of the Sierra: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of the Sierra of Porterville, 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 | 1.23% | 1.46% | -0.23% | 46th below |
| ROAE | 10.13% | 12.72% | -2.59% | 33rd below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.80% | 3.85% | -0.05% | 56th above |
| Efficiency Ratio | 56.04% | 57.41% | -1.37% | 58th above |
| PPNR / Avg Assets | 1.90% | 1.88% | +0.02% | 62nd above |
| Yield on Earning Assets | 4.93% | 5.72% | -0.79% | 17th bottom |
| Cost of Funds | 1.21% | 2.02% | -0.81% | 89th top |
| Net Interest Spread | 3.20% | 3.18% | +0.02% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.11% | 1.00% | +0.11% | 29th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.73% | 0.76% | -0.03% | 36th below |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 92nd top |
| ACL / Total Loans | 0.96% | 1.31% | -0.35% | 25th below |
| ACL / NPLs (Coverage) | 86.55% | 544.02% | -457.47% | 23rd bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.15% | 7.39% | -1.24% | 40th below |
| Provision / NCO | 983.33% | 617.98% | +365.35% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.25% | 11.44% | +0.81% | 79th top |
| Equity / Assets | 12.02% | 11.33% | +0.69% | 76th top |
| TCE / Tangible Assets | 11.37% | 10.50% | +0.87% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.67% | 86.96% | -3.29% | 62nd above |
| Core Deposit Ratio | 81.11% | 85.56% | -4.45% | 23rd bottom |
| Uninsured Deposit Ratio | 27.86% | 33.13% | -5.27% | 60th above |
| Wholesale Funding Ratio | 7.46% | 5.70% | +1.76% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.27% | 9.70% | -10.97% | 11th bottom |
| Loan Growth (Y/Y) | 0.88% | 8.07% | -7.19% | 21st bottom |
| Deposit Growth (Y/Y) | -1.60% | 7.88% | -9.48% | 12th bottom |
See Bank of the Sierra'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 Sierra, 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 Sierra profile, how to read a UBPR, or how this data updates.