Beneficial State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Beneficial State Bank of Oakland, 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 | 0.60% | 1.44% | -0.84% | 12th bottom |
| ROAE | 6.68% | 12.51% | -5.83% | 15th bottom |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.79% | 3.84% | -0.05% | 56th above |
| Efficiency Ratio | 77.39% | 58.85% | +18.54% | 10th bottom |
| PPNR / Avg Assets | 0.88% | 1.78% | -0.90% | 12th bottom |
| Yield on Earning Assets | 5.25% | 5.71% | -0.46% | 32nd below |
| Cost of Funds | 1.66% | 2.03% | -0.37% | 72nd above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.09% | 3.18% | -0.09% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.26% | 0.96% | +2.30% | 4th bottom |
| NPA / Total Assets | 2.48% | 0.75% | +1.73% | 4th bottom |
| NCO / Avg Loans | 0.55% | 0.30% | +0.25% | 8th bottom |
| ACL / Total Loans | 1.76% | 1.25% | +0.51% | 93rd top |
| ACL / NPLs (Coverage) | 54.06% | 699.55% | -645.49% | 10th bottom |
| Texas Ratio | 23.51% | 7.14% | +16.37% | 5th bottom |
| Provision / NCO | 133.16% | 815.43% | -682.27% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.22% | 11.60% | -0.38% | 65th above |
| Equity / Assets | 9.25% | 11.33% | -2.08% | 27th below |
| TCE / Tangible Assets | 9.25% | 10.65% | -1.40% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.87% | 86.35% | +4.52% | 42nd below |
| Core Deposit Ratio | 77.63% | 85.56% | -7.93% | 17th bottom |
| Uninsured Deposit Ratio | 28.61% | 32.71% | -4.10% | 58th above |
| Wholesale Funding Ratio | 5.50% | 5.45% | +0.05% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.86% | 10.46% | -6.60% | 41st below |
| Loan Growth (Y/Y) | 15.72% | 7.98% | +7.74% | 87th top |
| Deposit Growth (Y/Y) | 0.99% | 7.99% | -7.00% | 23rd bottom |
See Beneficial State Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Beneficial State Bank, 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 Beneficial State Bank profile, how to read a UBPR, or how this data updates.