Bank of Whittier, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Whittier, N.A. of Whittier, 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 | 0.46% | 1.34% | -0.88% | 12th bottom |
| ROAE | 2.83% | 13.32% | -10.49% | 9th bottom |
| Net Interest Margin | 2.48% | 3.93% | -1.45% | 3rd bottom |
| Efficiency Ratio | 69.60% | 61.14% | +8.46% | 29th below |
| PPNR / Avg Assets | 0.91% | 1.68% | -0.77% | 17th bottom |
| Yield on Earning Assets | 4.83% | 5.67% | -0.84% | 17th bottom |
| Cost of Funds | 2.80% | 1.88% | +0.92% | 8th bottom |
| Net Interest Spread | 1.78% | 3.32% | -1.54% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 2.84% | 1.28% | +1.56% | 98th top |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.38% | 12.14% | +4.24% | 91st top |
| Equity / Assets | 16.71% | 11.37% | +5.34% | 93rd top |
| TCE / Tangible Assets | 16.71% | 11.09% | +5.62% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.24% | 80.64% | -11.40% | 72nd above |
| Core Deposit Ratio | 71.12% | 86.86% | -15.74% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -12.20% | 6.85% | -19.05% | 1st bottom |
| Loan Growth (Y/Y) | 0.21% | 7.90% | -7.69% | 23rd bottom |
| Deposit Growth (Y/Y) | -15.37% | 6.29% | -21.66% | 1st bottom |
See Bank of Whittier, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Whittier, N.A., 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 Whittier, N.A. profile, how to read a UBPR, or how this data updates.