California Pacific Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks California Pacific Bank of Hayward, 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 | 2.00% | 1.35% | +0.65% | 86th top |
| ROAE | 4.92% | 12.06% | -7.14% | 14th bottom |
| Net Interest Margin | 5.11% | 3.90% | +1.21% | 94th top |
| Efficiency Ratio | 47.22% | 63.15% | -15.93% | 86th top |
| PPNR / Avg Assets | 2.85% | 1.64% | +1.21% | 94th top |
| Yield on Earning Assets | 6.16% | 5.65% | +0.51% | 76th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.83% | 1.85% | -0.02% | 48th below |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.31% | 3.35% | -0.04% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 15.93% | 0.91% | +15.02% | 0th bottom |
| NPA / Total Assets | 16.25% | 0.67% | +15.58% | 0th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 6.92% | 1.28% | +5.64% | 100th top |
| ACL / NPLs (Coverage) | 43.42% | 1645.82% | -1602.40% | 8th bottom |
| Texas Ratio | 34.82% | 7.14% | +27.68% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 40.47% | 20.82% | +19.65% | 96th top |
| Tier 1 Ratio | 40.47% | 20.85% | +19.62% | 96th top |
| Total Capital Ratio | 41.77% | 21.92% | +19.85% | 96th top |
| Leverage Ratio | 40.98% | 12.45% | +28.53% | 99th top |
| Equity / Assets | 40.91% | 11.66% | +29.25% | 99th top |
| TCE / Tangible Assets | 40.91% | 11.39% | +29.52% | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 144.08% | 78.62% | +65.46% | 0th bottom |
| Core Deposit Ratio | 77.01% | 87.10% | -10.09% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.73% | 6.47% | -1.74% | 52nd above |
| Loan Growth (Y/Y) | 13.70% | 7.64% | +6.06% | 84th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.25% | 6.02% | -0.77% | 59th above |
See California Pacific Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock California Pacific 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 Pacific Bank profile, how to read a UBPR, or how this data updates.