Green Dot Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Green Dot Bank of Provo, UT against its peer group of 941 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. | 1.33% | 1.34% | -0.01% | 53rd above |
| ROAE | 24.79% | 12.40% | +12.39% | 95th top |
| Net Interest Margin | 5.68% | 3.83% | +1.85% | 97th top |
| Efficiency Ratio | 93.27% | 57.84% | +35.43% | 2nd bottom |
| PPNR / Avg Assets | 2.25% | — | — | 79th top |
| Yield on Earning Assets | 5.88% | 5.71% | +0.17% | 70th above |
| Cost of Funds | 0.19% | 2.02% | -1.83% | 99th top |
| Net Interest Spread | 3.53% | — | — | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.56% | 1.00% | +2.56% | 4th bottom |
| NPA / Total Assets | 0.03% | — | — | 94th top |
| NCO / Avg Loans | 77.69% | 0.43% | +77.26% | 0th bottom |
| ACL / Total Loans | 17.26% | — | — | 100th top |
| ACL / NPLs (Coverage) | 484.53% | — | — | 80th top |
| Texas Ratio | 0.46% | 5.47% | -5.01% | 90th top |
| Provision / NCO | 95.71% | — | — | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 31.97% | 14.99% | +16.98% | 97th top |
| Tier 1 Ratio | 31.97% | 15.02% | +16.95% | 97th top |
| Total Capital Ratio | 32.43% | — | — | 97th top |
| Leverage Ratio | 8.59% | 11.11% | -2.52% | 6th bottom |
| Equity / Assets | 5.82% | 11.02% | -5.20% | 1st bottom |
| TCE / Tangible Assets | 5.63% | — | — | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 0.81% | 86.99% | -86.18% | 100th top |
| Core Deposit Ratio | 94.76% | 85.57% | +9.19% | 84th top |
| Uninsured Deposit Ratio | 3.68% | 33.19% | -29.51% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.65% | — | — | 82nd top |
| Loan Growth (Y/Y) | -7.98% | — | — | 3rd bottom |
| Deposit Growth (Y/Y) | 10.40% | — | — | 75th top |
See Green Dot Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Green Dot 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 Green Dot Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Green Dot Bank peer analysis.