Chino Commercial Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Chino Commercial Bank, N.A. of Chino, 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 | 1.66% | 1.34% | +0.32% | 72nd above |
| ROAE | 13.88% | 13.31% | +0.57% | 59th above |
| Net Interest Margin | 4.01% | 3.93% | +0.08% | 54th above |
| Efficiency Ratio | 49.64% | 61.14% | -11.50% | 81st top |
| PPNR / Avg Assets | 2.31% | 1.68% | +0.63% | 84th top |
| Yield on Earning Assets | 5.28% | 5.67% | -0.39% | 34th below |
| Cost of Funds | 1.05% | 1.88% | -0.83% | 89th top |
| Net Interest Spread | 2.94% | 3.32% | -0.38% | 30th 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. | 0.49% | 0.94% | -0.45% | 45th below |
| NPA / Total Assets | 0.23% | 0.70% | -0.47% | 57th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 85th top |
| ACL / Total Loans | 2.15% | 1.28% | +0.87% | 95th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 436.78% | 1539.28% | -1102.50% | 68th above |
| Texas Ratio | 1.90% | 7.33% | -5.43% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.51% | 12.14% | +0.37% | 70th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.04% | 11.37% | -0.33% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.04% | 11.09% | -0.05% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.23% | 80.65% | -20.42% | 83rd top |
| Core Deposit Ratio | 96.57% | 86.86% | +9.71% | 91st top |
| Wholesale Funding Ratio | 11.67% | 5.03% | +6.64% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.29% | 6.85% | +0.44% | 71st above |
| Loan Growth (Y/Y) | 16.29% | 7.90% | +8.39% | 88th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.87% | 6.29% | -1.42% | 56th above |
See Chino Commercial Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Chino Commercial Bank, 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 Chino Commercial Bank, N.A. profile, how to read a UBPR, or how this data updates.