Capital Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Capital Bank and Trust Company of Irvine, CA against its peer group of 2757 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 | 75.73% | 1.25% | +74.48% | 100th top |
| ROAE | 108.75% | 12.22% | +96.53% | 100th top |
| Net Interest Margin | 3.25% | 3.95% | -0.70% | 17th bottom |
| Efficiency Ratio | 59.03% | 63.71% | -4.68% | 56th above |
| Yield on Earning Assets | 3.25% | 5.67% | -2.42% | 0th bottom |
| Cost of Funds | 0.00% | 1.87% | -1.87% | 100th top |
| Net Interest Spread | 3.25% | — | — | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPA / Total Assets | 0.00% | — | — | 94th top |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 202.30% | 17.18% | +185.12% | 99th top |
| Tier 1 Ratio | 202.30% | 17.21% | +185.09% | 99th top |
| Total Capital Ratio | 202.30% | — | — | 99th top |
| Leverage Ratio | 79.26% | 11.75% | +67.51% | 100th top |
| Equity / Assets | 78.35% | 10.98% | +67.37% | 100th top |
| TCE / Tangible Assets | 78.35% | — | — | 100th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 0.00% | 80.44% | -80.44% | 100th top |
| Core Deposit Ratio | 100.00% | 86.95% | +13.05% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 38.34% | — | — | 98th top |
| Deposit Growth (Y/Y) | 0.00% | — | — | 23rd bottom |
See Capital Bank and Trust Company's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Capital Bank and Trust Company, 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 Capital Bank and Trust Company 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 Capital Bank and Trust Company peer analysis.