Home Bank of California: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Bank of California of San Diego, 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 | 2.71% | 1.34% | +1.37% | 96th top |
| ROAE | 22.59% | 13.31% | +9.28% | 93rd top |
| Net Interest Margin | 4.47% | 3.93% | +0.54% | 78th top |
| Efficiency Ratio | 37.83% | 61.14% | -23.31% | 97th top |
| PPNR / Avg Assets | 2.81% | 1.68% | +1.13% | 94th top |
| Yield on Earning Assets | 7.46% | 5.67% | +1.79% | 98th top |
| Cost of Funds | 3.38% | 1.88% | +1.50% | 2nd bottom |
| Net Interest Spread | 3.90% | 3.32% | +0.58% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 80th top |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 24th bottom |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.27% | 12.14% | +0.13% | 68th above |
| Equity / Assets | 12.26% | 11.37% | +0.89% | 73rd above |
| TCE / Tangible Assets | 12.26% | 11.09% | +1.17% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 122.43% | 80.63% | +41.80% | 1st bottom |
| Core Deposit Ratio | 70.51% | 86.86% | -16.35% | 5th bottom |
| Wholesale Funding Ratio | 12.10% | 5.03% | +7.07% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.80% | 6.85% | -5.05% | 31st below |
| Loan Growth (Y/Y) | 3.38% | 7.90% | -4.52% | 39th below |
| Deposit Growth (Y/Y) | -6.41% | 6.29% | -12.70% | 5th bottom |
See Home Bank of California's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home 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 Home Bank of California profile, how to read a UBPR, or how this data updates.