Malaga Bank, FSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Malaga Bank, FSB of Palos Verdes Estates, CA against its peer group of 931 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 | 1.63% | 1.44% | +0.19% | 73rd above |
| ROAE | 9.81% | 12.51% | -2.70% | 30th below |
| Net Interest Margin | 3.33% | 3.84% | -0.51% | 28th below |
| Efficiency Ratio | 30.34% | 58.90% | -28.56% | 98th top |
| PPNR / Avg Assets | 2.33% | 1.78% | +0.55% | 83rd top |
| Yield on Earning Assets | 5.06% | 5.71% | -0.65% | 23rd bottom |
| Cost of Funds | 2.07% | 2.03% | +0.04% | 47th below |
| Net Interest Spread | 2.63% | 3.18% | -0.55% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.97% | -0.97% | 98th top |
| NPA / Total Assets | 0.00% | 0.75% | -0.75% | 98th top |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 78th top |
| ACL / Total Loans | 0.31% | 1.25% | -0.94% | 1st bottom |
| Texas Ratio | 0.00% | 7.17% | -7.17% | 99th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 27.47% | 17.39% | +10.08% | 96th top |
| Tier 1 Ratio | 27.47% | 17.43% | +10.04% | 96th top |
| Total Capital Ratio | 27.91% | 18.49% | +9.42% | 96th top |
| Leverage Ratio | 16.76% | 11.59% | +5.17% | 96th top |
| Equity / Assets | 16.71% | 11.33% | +5.38% | 96th top |
| TCE / Tangible Assets | 16.71% | 10.64% | +6.07% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 131.84% | 86.30% | +45.54% | 1st bottom |
| Core Deposit Ratio | 69.88% | 85.57% | -15.69% | 8th bottom |
| Uninsured Deposit Ratio | 27.36% | 32.71% | -5.35% | 63rd above |
| Wholesale Funding Ratio | 17.60% | 5.44% | +12.16% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.75% | 10.46% | -6.71% | 40th below |
| Loan Growth (Y/Y) | 2.72% | 8.00% | -5.28% | 33rd below |
| Deposit Growth (Y/Y) | 1.55% | 7.99% | -6.44% | 27th below |
See Malaga Bank, FSB's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Malaga Bank, FSB, 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 Malaga Bank, FSB profile, how to read a UBPR, or how this data updates.