Icon Business Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Icon Business Bank of Riverside, 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 | -0.87% | 1.34% | -2.21% | 2nd bottom |
| ROAE | -7.80% | 13.32% | -21.12% | 2nd bottom |
| Net Interest Margin | 4.27% | 3.93% | +0.34% | 69th above |
| Efficiency Ratio | 117.15% | 61.13% | +56.02% | 1st bottom |
| PPNR / Avg Assets | -0.82% | 1.68% | -2.50% | 1st bottom |
| Yield on Earning Assets | 6.72% | 5.67% | +1.05% | 92nd top |
| Cost of Funds | 2.63% | 1.88% | +0.75% | 12th bottom |
| Net Interest Spread | 3.23% | 3.32% | -0.09% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.94% | -0.65% | 58th above |
| NPA / Total Assets | 0.23% | 0.70% | -0.47% | 57th above |
| NCO / Avg Loans | 0.30% | 0.16% | +0.14% | 9th bottom |
| ACL / Total Loans | 1.18% | 1.28% | -0.10% | 48th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 403.90% | 1538.86% | -1134.96% | 66th above |
| Texas Ratio | 1.79% | 7.33% | -5.54% | 65th above |
| Provision / NCO | 39.53% | 1395.80% | -1356.27% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.94% | 12.14% | -0.20% | 64th above |
| Equity / Assets | 11.94% | 11.37% | +0.57% | 70th above |
| TCE / Tangible Assets | 11.94% | 11.09% | +0.85% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.01% | 80.63% | +14.38% | 18th bottom |
| Core Deposit Ratio | 98.26% | 86.86% | +11.40% | 96th top |
| Wholesale Funding Ratio | 1.29% | 5.03% | -3.74% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.31% | 6.85% | -7.16% | 18th bottom |
| Loan Growth (Y/Y) | 13.81% | 7.90% | +5.91% | 84th top |
| Deposit Growth (Y/Y) | -6.42% | 6.29% | -12.71% | 5th bottom |
See Icon Business Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Icon Business 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 Icon Business Bank profile, how to read a UBPR, or how this data updates.