Nano Banc: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Nano Banc of Irvine, 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 | -1.19% | 1.25% | -2.44% | 1st bottom |
| ROAE | -23.37% | 12.22% | -35.59% | 0th bottom |
| Net Interest Margin | 1.76% | 3.95% | -2.19% | 1st bottom |
| Efficiency Ratio | -151.09% | 63.71% | -214.80% | — |
| PPNR / Avg Assets | 6.13% | — | — | 99th top |
| Yield on Earning Assets | 4.00% | 5.67% | -1.67% | 2nd bottom |
| Cost of Funds | 2.36% | 1.87% | +0.49% | 19th bottom |
| Net Interest Spread | -0.17% | — | — | 0th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 25.73% | 0.88% | +24.85% | 0th bottom |
| NPA / Total Assets | 16.74% | — | — | 0th bottom |
| NCO / Avg Loans | 5.98% | 0.15% | +5.83% | 0th bottom |
| ACL / Total Loans | 4.16% | — | — | 100th top |
| ACL / NPLs (Coverage) | 16.18% | — | — | 0th bottom |
| Texas Ratio | 209.83% | 5.96% | +203.87% | 0th bottom |
| Provision / NCO | 191.99% | — | — | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 7.83% | 17.18% | -9.35% | 0th bottom |
| Tier 1 Ratio | 7.83% | 17.21% | -9.38% | 0th bottom |
| Total Capital Ratio | 9.11% | — | — | 0th bottom |
| Leverage Ratio | 5.04% | 11.75% | -6.71% | 0th bottom |
| Equity / Assets | 5.27% | 10.98% | -5.71% | 1st bottom |
| TCE / Tangible Assets | 5.27% | — | — | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.81% | 80.44% | -10.63% | 71st above |
| Core Deposit Ratio | 72.58% | 86.95% | -14.37% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -20.93% | — | — | 0th bottom |
| Loan Growth (Y/Y) | -21.86% | — | — | 0th bottom |
| Deposit Growth (Y/Y) | -14.76% | — | — | 1st bottom |
See Nano Banc's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Nano Banc, 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 Nano Banc 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 Nano Banc peer analysis.