Open Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Open Bank of Los Angeles, CA against its peer group of 941 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 | 1.25% | 1.34% | -0.09% | 46th below |
| ROAE | 13.01% | 12.34% | +0.67% | 53rd above |
| Net Interest Margin | 3.14% | 3.83% | -0.69% | 19th bottom |
| Efficiency Ratio | 55.68% | 58.97% | -3.29% | 58th above |
| PPNR / Avg Assets | 1.72% | — | — | 48th below |
| Yield on Earning Assets | 5.83% | 5.71% | +0.12% | 67th above |
| Cost of Funds | 2.90% | 2.02% | +0.88% | 10th bottom |
| Net Interest Spread | 2.06% | — | — | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.09% | 0.87% | +1.22% | 8th bottom |
| NPA / Total Assets | 1.74% | — | — | 7th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.43% | -0.40% | 49th below |
| ACL / Total Loans | 1.23% | — | — | 62nd above |
| ACL / NPLs (Coverage) | 58.84% | — | — | 9th bottom |
| Texas Ratio | 5.92% | 5.48% | +0.44% | 32nd below |
| Provision / NCO | -85.14% | — | — | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.10% | 14.99% | -2.89% | 26th below |
| Tier 1 Ratio | 12.10% | 15.02% | -2.92% | 26th below |
| Total Capital Ratio | 13.35% | — | — | 28th below |
| Leverage Ratio | 10.15% | 11.11% | -0.96% | 40th below |
| Equity / Assets | 9.62% | 11.02% | -1.40% | 35th below |
| TCE / Tangible Assets | 9.59% | — | — | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.24% | 86.99% | +9.25% | 26th below |
| Core Deposit Ratio | 53.97% | 85.57% | -31.60% | 2nd bottom |
| Uninsured Deposit Ratio | 49.75% | 33.19% | +16.56% | 10th bottom |
| Wholesale Funding Ratio | 2.73% | — | — | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.12% | — | — | 61st above |
| Loan Growth (Y/Y) | 9.03% | — | — | 69th above |
| Deposit Growth (Y/Y) | 4.98% | — | — | 49th below |
See Open Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Open 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 Open 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 Open Bank peer analysis.