Oak Valley Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oak Valley Community Bank of Oakdale, 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 | 1.11% | 1.46% | -0.35% | 37th below |
| ROAE | 10.56% | 12.72% | -2.16% | 37th below |
| Net Interest Margin | 4.14% | 3.85% | +0.29% | 76th top |
| Efficiency Ratio | 62.68% | 57.40% | +5.28% | 37th below |
| PPNR / Avg Assets | 1.44% | 1.88% | -0.44% | 34th below |
| Yield on Earning Assets | 4.89% | 5.72% | -0.83% | 16th bottom |
| Cost of Funds | 0.80% | 2.02% | -1.22% | 97th top |
| Net Interest Spread | 3.71% | 3.18% | +0.53% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.00% | -1.00% | 97th top |
| NPA / Total Assets | 0.13% | 0.76% | -0.63% | 83rd top |
| NCO / Avg Loans | 0.60% | 0.43% | +0.17% | 7th bottom |
| ACL / Total Loans | 0.96% | 1.31% | -0.35% | 25th below |
| ACL / NPLs (Coverage) | 22344.00% | 526.06% | +21817.94% | — |
| Texas Ratio | 1.18% | 7.39% | -6.21% | 85th top |
| Provision / NCO | 31.42% | 619.14% | -587.72% | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.72% | 17.34% | -1.62% | 76th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.72% | 17.37% | -1.65% | 76th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.53% | 18.42% | -1.89% | 73rd above |
| Leverage Ratio | 11.48% | 11.44% | +0.04% | 69th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.79% | 11.34% | -0.55% | 57th above |
| TCE / Tangible Assets | 10.64% | 10.50% | +0.14% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.96% | 86.97% | -21.01% | 89th top |
| Core Deposit Ratio | 96.96% | 85.55% | +11.41% | 93rd top |
| Uninsured Deposit Ratio | 46.88% | 33.11% | +13.77% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.19% | 9.69% | -5.50% | 43rd below |
| Loan Growth (Y/Y) | 5.03% | 8.06% | -3.03% | 47th below |
| Deposit Growth (Y/Y) | 3.08% | 7.87% | -4.79% | 37th below |
See Oak Valley Community Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Oak Valley Community 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 Oak Valley Community Bank profile, how to read a UBPR, or how this data updates.