Golden State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Golden State Bank of Glendale, 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 Behind the peer average, ahead of the median peer. | 1.34% | 1.46% | -0.12% | 55th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.36% | 12.72% | -0.36% | 50th above |
| Net Interest Margin | 4.20% | 3.85% | +0.35% | 79th top |
| Efficiency Ratio | 55.61% | 57.41% | -1.80% | 59th above |
| PPNR / Avg Assets | 1.90% | 1.88% | +0.02% | 63rd above |
| Yield on Earning Assets | 6.99% | 5.72% | +1.27% | 95th top |
| Cost of Funds | 3.03% | 2.02% | +1.01% | 8th bottom |
| Net Interest Spread | 3.30% | 3.18% | +0.12% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.82% | 1.00% | -0.18% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.71% | 0.76% | -0.05% | 37th below |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 87th top |
| ACL / Total Loans | 1.31% | 1.31% | +0.00% | 71st above |
| ACL / NPLs (Coverage) | 159.31% | 543.50% | -384.19% | 46th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.89% | 7.39% | -1.50% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.04% | 11.44% | -0.40% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.90% | 11.34% | -0.44% | 58th above |
| TCE / Tangible Assets | 10.90% | 10.50% | +0.40% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.18% | 86.95% | +13.23% | 17th bottom |
| Core Deposit Ratio | 73.72% | 85.56% | -11.84% | 12th bottom |
| Wholesale Funding Ratio | 2.53% | 5.71% | -3.18% | 63rd 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. | 8.93% | 9.68% | -0.75% | 71st above |
| Loan Growth (Y/Y) | 9.27% | 8.06% | +1.21% | 71st above |
| Deposit Growth (Y/Y) | 8.58% | 7.87% | +0.71% | 70th above |
See Golden State Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Golden State Bank, 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 Golden State Bank profile, how to read a UBPR, or how this data updates.