California Bank of Commerce, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks California Bank of Commerce, N.A. of San Diego, 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 | 1.49% | 1.46% | +0.03% | 65th above |
| ROAE | 9.75% | 12.72% | -2.97% | 30th below |
| Net Interest Margin | 4.79% | 3.85% | +0.94% | 93rd top |
| Efficiency Ratio | 51.15% | 57.42% | -6.27% | 73rd above |
| PPNR / Avg Assets | 2.14% | 1.88% | +0.26% | 75th top |
| Yield on Earning Assets | 5.98% | 5.72% | +0.26% | 75th top |
| Cost of Funds | 1.29% | 2.02% | -0.73% | 87th top |
| Net Interest Spread | 3.93% | 3.18% | +0.75% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.12% | 1.00% | +0.12% | 29th below |
| NPA / Total Assets | 1.08% | 0.76% | +0.32% | 22nd bottom |
| NCO / Avg Loans | 0.03% | 0.43% | -0.40% | 52nd above |
| ACL / Total Loans | 1.12% | 1.31% | -0.19% | 45th below |
| ACL / NPLs (Coverage) | 99.97% | 544.06% | -444.09% | 30th below |
| Texas Ratio | 8.27% | 7.39% | +0.88% | 29th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 426.11% | 618.96% | -192.85% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.93% | 17.34% | -3.41% | 57th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.93% | 17.37% | -3.44% | 56th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.94% | 18.43% | -3.49% | 55th above |
| Leverage Ratio | 12.80% | 11.43% | +1.37% | 83rd top |
| Equity / Assets | 15.38% | 11.33% | +4.05% | 94th top |
| TCE / Tangible Assets | 12.60% | 10.50% | +2.10% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.49% | 86.94% | +5.55% | 37th below |
| Core Deposit Ratio | 97.69% | 85.54% | +12.15% | 95th top |
| Uninsured Deposit Ratio | 50.40% | 33.09% | +17.31% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.78% | 9.69% | -7.91% | 26th below |
| Loan Growth (Y/Y) | 3.77% | 8.06% | -4.29% | 40th below |
| Deposit Growth (Y/Y) | 1.08% | 7.88% | -6.80% | 24th bottom |
See California Bank of Commerce, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock California Bank of Commerce, 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 California Bank of Commerce, N.A. profile, how to read a UBPR, or how this data updates.