CalPrivate Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks CalPrivate Bank of La Jolla, CA against its peer group of 941 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 | 2.16% | 1.34% | +0.82% | 90th top |
| ROAE | 19.43% | 12.40% | +7.03% | 87th top |
| Net Interest Margin | 5.20% | 3.83% | +1.37% | 96th top |
| Efficiency Ratio | 44.63% | 57.84% | -13.21% | 87th top |
| PPNR / Avg Assets | 2.92% | — | — | 94th top |
| Yield on Earning Assets | 6.66% | 5.71% | +0.95% | 92nd top |
| Cost of Funds | 1.60% | 2.02% | -0.42% | 76th top |
| Net Interest Spread | 4.41% | — | — | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.26% | 1.00% | +0.26% | 25th below |
| NPA / Total Assets | 1.50% | — | — | 12th bottom |
| NCO / Avg Loans | -0.06% | 0.43% | -0.49% | 98th top |
| ACL / Total Loans | 1.43% | — | — | 82nd top |
| ACL / NPLs (Coverage) | 113.26% | — | — | 35th below |
| Texas Ratio | 12.31% | 5.47% | +6.84% | 10th bottom |
| Provision / NCO | 240.22% | — | — | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.61% | 14.99% | -1.38% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.61% | 15.02% | -1.41% | 51st above |
| Total Capital Ratio | 14.86% | — | — | 53rd above |
| Leverage Ratio | 11.52% | 11.11% | +0.41% | 70th above |
| Equity / Assets | 11.06% | 11.02% | +0.04% | 61st above |
| TCE / Tangible Assets | 11.04% | — | — | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.45% | 86.99% | +2.46% | 47th below |
| Core Deposit Ratio | 92.78% | 85.57% | +7.21% | 73rd above |
| Uninsured Deposit Ratio | 57.88% | 33.19% | +24.69% | 4th bottom |
| Wholesale Funding Ratio | 0.30% | — | — | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.32% | — | — | 76th top |
| Loan Growth (Y/Y) | 2.05% | — | — | 27th below |
| Deposit Growth (Y/Y) | 10.05% | — | — | 74th above |
See CalPrivate Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock CalPrivate 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 CalPrivate Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the CalPrivate Bank peer analysis.