Community Bank of Santa Maria: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank of Santa Maria of Santa Maria, 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 | 1.12% | 1.34% | -0.22% | 40th below |
| ROAE | 11.90% | 13.31% | -1.41% | 47th below |
| Net Interest Margin | 4.45% | 3.93% | +0.52% | 77th top |
| Efficiency Ratio | 68.65% | 61.14% | +7.51% | 31st below |
| PPNR / Avg Assets | 1.35% | 1.68% | -0.33% | 36th below |
| Yield on Earning Assets | 5.18% | 5.67% | -0.49% | 30th below |
| Cost of Funds | 0.80% | 1.88% | -1.08% | 95th top |
| Net Interest Spread | 3.89% | 3.32% | +0.57% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.94% | -0.79% | 68th above |
| NPA / Total Assets | 0.11% | 0.70% | -0.59% | 68th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 81st top |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 26th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 664.43% | 1539.04% | -874.61% | 76th top |
| Texas Ratio | 1.08% | 7.33% | -6.25% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.49% | 12.14% | -1.65% | 41st below |
| Equity / Assets | 9.72% | 11.37% | -1.65% | 40th below |
| TCE / Tangible Assets | 9.72% | 11.09% | -1.37% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.32% | 80.64% | +3.68% | 42nd below |
| Core Deposit Ratio | 94.71% | 86.86% | +7.85% | 83rd top |
| Wholesale Funding Ratio | 1.26% | 5.04% | -3.78% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.06% | 6.86% | -11.92% | 5th bottom |
| Loan Growth (Y/Y) | 3.43% | 7.90% | -4.47% | 39th below |
| Deposit Growth (Y/Y) | -4.54% | 6.29% | -10.83% | 7th bottom |
See Community Bank of Santa Maria's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Bank of Santa Maria, 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 Community Bank of Santa Maria profile, how to read a UBPR, or how this data updates.