Pacific Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pacific Valley Bank of Salinas, 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 | 0.99% | 1.25% | -0.26% | 32nd below |
| ROAE | 7.95% | 12.22% | -4.27% | 24th bottom |
| Net Interest Margin | 3.95% | 3.95% | +0.00% | 50th above |
| Efficiency Ratio | 65.39% | 63.71% | +1.68% | 37th below |
| PPNR / Avg Assets | 1.41% | — | — | 38th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.67% | -0.04% | 51st above |
| Cost of Funds | 1.87% | 1.87% | +0.00% | 45th below |
| Net Interest Spread | 2.93% | — | — | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.88% | -0.64% | 62nd above |
| NPA / Total Assets | 0.20% | — | — | 61st above |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 92nd top |
| ACL / Total Loans | 1.45% | — | — | 75th top |
| ACL / NPLs (Coverage) | 613.84% | — | — | 74th above |
| Texas Ratio | 0.37% | 5.96% | -5.59% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.60% | 11.75% | +0.85% | 71st above |
| Equity / Assets | 12.12% | 10.98% | +1.14% | 72nd above |
| TCE / Tangible Assets | 12.12% | — | — | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.91% | 80.44% | +15.47% | 17th bottom |
| Core Deposit Ratio | 90.42% | 86.95% | +3.47% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.09% | — | — | 90th top |
| Loan Growth (Y/Y) | 9.58% | — | — | 72nd above |
| Deposit Growth (Y/Y) | 16.19% | — | — | 92nd top |
See Pacific Valley Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pacific Valley 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 Valley 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 Pacific Valley Bank peer analysis.