Infinity Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Infinity Bank of Santa Ana, 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 | 1.66% | 1.25% | +0.41% | 72nd above |
| ROAE | 13.18% | 13.17% | +0.01% | 54th above |
| Net Interest Margin | 5.76% | 3.95% | +1.81% | 98th top |
| Efficiency Ratio | 57.07% | 61.50% | -4.43% | 62nd above |
| PPNR / Avg Assets | 2.53% | — | — | 89th top |
| Yield on Earning Assets | 6.88% | 5.67% | +1.21% | 93rd top |
| Cost of Funds | 1.22% | 1.87% | -0.65% | 84th top |
| Net Interest Spread | 4.50% | — | — | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.95% | 0.93% | +0.02% | 29th below |
| NPA / Total Assets | 0.68% | — | — | 31st below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 76th top |
| ACL / Total Loans | 1.51% | — | — | 79th top |
| ACL / NPLs (Coverage) | 158.43% | — | — | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.19% | 6.06% | -0.87% | 34th below |
| Provision / NCO | 205.91% | — | — | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.31% | 17.18% | -1.87% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.31% | 17.21% | -1.90% | 52nd above |
| Total Capital Ratio | 17.94% | — | — | 62nd above |
| Leverage Ratio | 13.03% | 11.75% | +1.28% | 75th top |
| Equity / Assets | 11.97% | 10.98% | +0.99% | 71st above |
| TCE / Tangible Assets | 11.97% | — | — | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.18% | 80.44% | +1.74% | 47th below |
| Core Deposit Ratio | 96.78% | 86.95% | +9.83% | 92nd top |
| Wholesale Funding Ratio | 1.39% | — | — | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.66% | — | — | 66th above |
| Loan Growth (Y/Y) | 15.27% | — | — | 86th top |
| Deposit Growth (Y/Y) | 6.46% | — | — | 66th above |
See Infinity Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Infinity 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 Infinity 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 Infinity Bank peer analysis.