Mega Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mega Bank of San Gabriel, 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 | 1.39% | 1.25% | +0.14% | 56th above |
| ROAE | 9.84% | 13.17% | -3.33% | 34th below |
| Net Interest Margin | 4.12% | 3.95% | +0.17% | 59th above |
| Efficiency Ratio | 51.50% | 61.50% | -10.00% | 77th top |
| PPNR / Avg Assets | 2.13% | — | — | 77th top |
| Yield on Earning Assets | 7.07% | 5.67% | +1.40% | 95th top |
| Cost of Funds | 3.37% | 1.87% | +1.50% | 2nd bottom |
| Net Interest Spread | 3.43% | — | — | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.61% | 0.93% | +0.68% | 17th bottom |
| NPA / Total Assets | 1.38% | — | — | 14th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 22nd bottom |
| ACL / Total Loans | 1.30% | — | — | 62nd above |
| ACL / NPLs (Coverage) | 80.29% | — | — | 21st bottom |
| Texas Ratio | 8.77% | 6.06% | +2.71% | 21st bottom |
| Provision / NCO | 602.35% | — | — | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.35% | 17.18% | -0.83% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.35% | 17.21% | -0.86% | 59th above |
| Total Capital Ratio | 17.60% | — | — | 60th above |
| Leverage Ratio | 14.43% | 11.75% | +2.68% | 83rd top |
| Equity / Assets | 14.62% | 10.98% | +3.64% | 87th top |
| TCE / Tangible Assets | 14.62% | — | — | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.65% | 80.44% | +21.21% | 10th bottom |
| Core Deposit Ratio | 66.98% | 86.95% | -19.97% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.41% | — | — | 17th bottom |
| Loan Growth (Y/Y) | 4.92% | — | — | 47th below |
| Deposit Growth (Y/Y) | -1.96% | — | — | 13th bottom |
See Mega Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mega 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 Mega 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 Mega Bank peer analysis.