Hatch Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hatch Bank of San Marcos, CA against its peer group of 2757 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 | -4.12% | 1.25% | -5.37% | 0th bottom |
| ROAE | -20.17% | 12.22% | -32.39% | 1st bottom |
| Net Interest Margin | 5.06% | 3.95% | +1.11% | 93rd top |
| Efficiency Ratio | -248.63% | 63.71% | -312.34% | — |
| Yield on Earning Assets | 7.07% | 5.67% | +1.40% | 95th top |
| Cost of Funds | 2.74% | 1.87% | +0.87% | 10th bottom |
| Net Interest Spread | 4.26% | — | — | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.88% | -0.78% | 74th above |
| NPA / Total Assets | 0.06% | — | — | 77th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.15% | -0.09% | 24th bottom |
| ACL / Total Loans | 0.11% | — | — | 0th bottom |
| ACL / NPLs (Coverage) | 113.89% | — | — | 30th below |
| Texas Ratio | 0.29% | 5.96% | -5.67% | 81st top |
| Provision / NCO | -11515.79% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 31.63% | 17.18% | +14.45% | 93rd top |
| Tier 1 Ratio | 31.63% | 17.21% | +14.42% | 93rd top |
| Total Capital Ratio | 31.73% | — | — | 93rd top |
| Leverage Ratio | 21.49% | 11.75% | +9.74% | 97th top |
| Equity / Assets | 20.98% | 10.98% | +10.00% | 97th top |
| TCE / Tangible Assets | 20.98% | — | — | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 266.44% | 80.44% | +186.00% | 0th bottom |
| Core Deposit Ratio | 0.09% | 86.95% | -86.86% | 0th bottom |
| Wholesale Funding Ratio | 50.18% | — | — | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.16% | — | — | 95th top |
| Loan Growth (Y/Y) | 12.78% | — | — | 81st top |
| Deposit Growth (Y/Y) | 1.43% | — | — | 31st below |
See Hatch Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hatch 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 Hatch 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 Hatch Bank peer analysis.