California Business Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks California Business Bank of Irvine, 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 | 0.73% | 1.34% | -0.61% | 20th bottom |
| ROAE | 5.13% | 13.32% | -8.19% | 15th bottom |
| Net Interest Margin | 4.29% | 3.93% | +0.36% | 70th above |
| Efficiency Ratio | 87.06% | 61.14% | +25.92% | 8th bottom |
| PPNR / Avg Assets | 0.73% | 1.68% | -0.95% | 13th bottom |
| Yield on Earning Assets | 6.33% | 5.67% | +0.66% | 82nd top |
| Cost of Funds | 2.25% | 1.88% | +0.37% | 23rd bottom |
| Net Interest Spread | 2.97% | 3.32% | -0.35% | 31st 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. | 0.55% | 0.94% | -0.39% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.70% | -0.31% | 44th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.56% | 1.28% | +0.28% | 82nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 286.60% | 1538.85% | -1252.25% | 59th above |
| Texas Ratio | 2.71% | 7.33% | -4.62% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.75% | 19.50% | +0.25% | 76th top |
| Tier 1 Ratio | 19.75% | 19.54% | +0.21% | 76th top |
| Total Capital Ratio | 21.00% | 20.62% | +0.38% | 77th top |
| Leverage Ratio | 14.46% | 12.14% | +2.32% | 84th top |
| Equity / Assets | 13.44% | 11.37% | +2.07% | 81st top |
| TCE / Tangible Assets | 13.44% | 11.09% | +2.35% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.02% | 80.64% | +6.38% | 35th below |
| Core Deposit Ratio | 97.57% | 86.86% | +10.71% | 95th top |
| Wholesale Funding Ratio | 2.30% | 5.03% | -2.73% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.99% | 6.85% | +6.14% | 89th top |
| Loan Growth (Y/Y) | 4.14% | 7.90% | -3.76% | 43rd below |
| Deposit Growth (Y/Y) | 15.02% | 6.29% | +8.73% | 91st top |
See California Business Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock California Business 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 California Business Bank profile, how to read a UBPR, or how this data updates.