Commercial Bank of California: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commercial Bank of California of Irvine, CA against its peer group of 927 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 Behind the peer average, ahead of the median peer. | 1.34% | 1.46% | -0.12% | 55th above |
| ROAE | 15.14% | 12.69% | +2.45% | 72nd above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.79% | 3.85% | -0.06% | 55th above |
| Efficiency Ratio | 53.36% | 57.41% | -4.05% | 64th above |
| PPNR / Avg Assets | 1.95% | 1.88% | +0.07% | 66th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.67% | 5.72% | -0.05% | 58th above |
| Cost of Funds | 2.01% | 2.02% | -0.01% | 51st above |
| Net Interest Spread | 2.29% | 3.18% | -0.89% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.12% | 1.00% | +0.12% | 29th below |
| NPA / Total Assets | 0.87% | 0.76% | +0.11% | 28th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 44th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.18% | 1.31% | -0.13% | 55th above |
| ACL / NPLs (Coverage) | 105.34% | 565.08% | -459.74% | 32nd below |
| Texas Ratio | 9.17% | 7.39% | +1.78% | 26th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 168.85% | 619.37% | -450.52% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.78% | 17.35% | -5.57% | 20th bottom |
| Tier 1 Ratio | 11.78% | 17.38% | -5.60% | 19th bottom |
| Total Capital Ratio | 12.85% | 18.43% | -5.58% | 20th bottom |
| Leverage Ratio | 9.27% | 11.44% | -2.17% | 18th bottom |
| Equity / Assets | 9.05% | 11.34% | -2.29% | 22nd bottom |
| TCE / Tangible Assets | 8.70% | 10.50% | -1.80% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.45% | 86.96% | -6.51% | 69th above |
| Core Deposit Ratio | 91.97% | 85.54% | +6.43% | 68th above |
| Uninsured Deposit Ratio | 61.85% | 33.08% | +28.77% | 3rd bottom |
| Wholesale Funding Ratio | 3.26% | 5.70% | -2.44% | 55th above |
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. | 7.60% | 9.68% | -2.08% | 66th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.19% | 8.06% | -1.87% | 53rd above |
| Deposit Growth (Y/Y) | 13.25% | 7.87% | +5.38% | 83rd top |
See Commercial Bank of California's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commercial Bank of California, 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 Commercial Bank of California profile, how to read a UBPR, or how this data updates.