Mechanics Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mechanics Bank of Walnut Creek, CA against its peer group of 134 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 | 1.13% | 1.39% | -0.26% | 35th below |
| ROAE | 8.37% | 12.26% | -3.89% | 21st bottom |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.67% | 3.82% | -0.15% | 54th above |
| Efficiency Ratio | 57.62% | 54.21% | +3.41% | 31st below |
| PPNR / Avg Assets | 1.48% | 2.04% | -0.56% | 30th below |
| Yield on Earning Assets | 4.84% | 5.72% | -0.88% | 18th bottom |
| Cost of Funds | 1.26% | 2.03% | -0.77% | 87th top |
| Net Interest Spread | 2.88% | 3.13% | -0.25% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.50% | 0.98% | -0.48% | 75th top |
| NPA / Total Assets | 0.34% | 0.72% | -0.38% | 76th top |
| NCO / Avg Loans | 0.10% | 0.33% | -0.23% | 64th above |
| ACL / Total Loans | 1.12% | 1.39% | -0.27% | 43rd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 223.22% | 235.36% | -12.14% | 75th top |
| Texas Ratio | 3.88% | 8.91% | -5.03% | 77th top |
| Provision / NCO | 90.31% | 123.56% | -33.25% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.48% | 15.65% | -0.17% | 83rd top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.48% | 15.78% | -0.30% | 82nd top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.74% | 16.90% | -0.16% | 82nd top |
| Leverage Ratio | 9.38% | 10.51% | -1.13% | 23rd bottom |
| Equity / Assets | 13.30% | 11.70% | +1.60% | 78th top |
| TCE / Tangible Assets | 9.29% | 9.73% | -0.44% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.06% | 84.65% | -9.59% | 80th top |
| Core Deposit Ratio | 97.36% | 86.53% | +10.83% | 92nd top |
| Uninsured Deposit Ratio | 42.90% | 36.79% | +6.11% | 37th below |
| Wholesale Funding Ratio | 0.38% | 5.88% | -5.50% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 28.18% | 11.81% | +16.37% | 92nd top |
| Loan Growth (Y/Y) | 46.95% | 11.09% | +35.86% | 95th top |
| Deposit Growth (Y/Y) | 29.53% | 11.20% | +18.33% | 92nd top |
See Mechanics Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mechanics 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 Mechanics Bank profile, how to read a UBPR, or how this data updates.