Pacific Alliance Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pacific Alliance Bank of San Gabriel, CA against its peer group of 2672 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 | 0.80% | 1.34% | -0.54% | 23rd bottom |
| ROAE | 6.19% | 13.32% | -7.13% | 18th bottom |
| Net Interest Margin | 3.09% | 3.93% | -0.84% | 13th bottom |
| Efficiency Ratio | 62.54% | 61.14% | +1.40% | 46th below |
| PPNR / Avg Assets | 1.14% | 1.68% | -0.54% | 26th below |
| Yield on Earning Assets | 6.10% | 5.67% | +0.43% | 73rd above |
| Cost of Funds | 3.42% | 1.88% | +1.54% | 2nd bottom |
| Net Interest Spread | 2.48% | 3.32% | -0.84% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.94% | -0.78% | 67th above |
| NPA / Total Assets | 0.12% | 0.70% | -0.58% | 67th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.38% | 1.28% | +0.10% | 70th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 864.14% | 1539.00% | -674.86% | 80th top |
| Texas Ratio | 0.86% | 7.33% | -6.47% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.37% | 12.14% | +1.23% | 77th top |
| Equity / Assets | 13.09% | 11.37% | +1.72% | 79th top |
| TCE / Tangible Assets | 13.09% | 11.09% | +2.00% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.26% | 80.63% | +13.63% | 20th bottom |
| Core Deposit Ratio | 73.81% | 86.87% | -13.06% | 8th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.74% | 5.03% | -1.29% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.01% | 6.85% | -0.84% | 62nd above |
| Loan Growth (Y/Y) | 0.29% | 7.91% | -7.62% | 24th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.07% | 6.29% | -0.22% | 65th above |
See Pacific Alliance Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pacific Alliance 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 Pacific Alliance Bank profile, how to read a UBPR, or how this data updates.