Column N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Column N.A. of Chico, CA against its peer group of 931 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 | 5.72% | 1.46% | +4.26% | 99th top |
| ROAE | 77.85% | 12.67% | +65.18% | 100th top |
| Net Interest Margin | 5.38% | 3.85% | +1.53% | 97th top |
| Efficiency Ratio | 38.93% | 57.42% | -18.49% | 93rd top |
| PPNR / Avg Assets | 8.15% | 1.87% | +6.28% | 99th top |
| Yield on Earning Assets | 7.23% | 5.72% | +1.51% | 96th top |
| Cost of Funds | 2.18% | 2.02% | +0.16% | 38th below |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.08% | 3.18% | -0.10% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 1.00% | -0.92% | 91st top |
| NPA / Total Assets | 0.02% | 0.76% | -0.74% | 94th top |
| NCO / Avg Loans | -0.47% | 0.43% | -0.90% | 100th top |
| ACL / Total Loans | 0.56% | 1.31% | -0.75% | 4th bottom |
| ACL / NPLs (Coverage) | 703.50% | 543.24% | +160.26% | 86th top |
| Texas Ratio | 0.28% | 7.39% | -7.11% | 93rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.03% | 17.33% | +7.70% | 96th top |
| Tier 1 Ratio | 25.03% | 17.36% | +7.67% | 95th top |
| Total Capital Ratio | 25.37% | 18.41% | +6.96% | 95th top |
| Leverage Ratio | 8.43% | 11.44% | -3.01% | 5th bottom |
| Equity / Assets | 9.88% | 11.34% | -1.46% | 40th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.87% | 10.50% | -0.63% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 23.45% | 87.00% | -63.55% | 99th top |
| Core Deposit Ratio | 99.64% | 85.54% | +14.10% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 112.10% | 9.61% | +102.49% | 100th top |
| Loan Growth (Y/Y) | 70.35% | 8.01% | +62.34% | 99th top |
| Deposit Growth (Y/Y) | 114.69% | 7.80% | +106.89% | 100th top |
See Column N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Column 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 Column N.A. profile, how to read a UBPR, or how this data updates.