Partners Bank of California: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Partners Bank of California of Mission Viejo, CA against its peer group of 2603 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 | 1.43% | 1.34% | +0.09% | 59th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.43% | 13.32% | -0.89% | 51st above |
| Net Interest Margin | 4.04% | 3.93% | +0.11% | 55th above |
| Efficiency Ratio | 49.28% | 61.14% | -11.86% | 82nd top |
| PPNR / Avg Assets | 2.09% | 1.68% | +0.41% | 76th top |
| Yield on Earning Assets | 5.82% | 5.67% | +0.15% | 60th above |
| Cost of Funds | 2.04% | 1.88% | +0.16% | 35th below |
| Net Interest Spread | 3.08% | 3.32% | -0.24% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 2.06% | 1.28% | +0.78% | 94th top |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.70% | 19.49% | -5.79% | 36th below |
| Tier 1 Ratio | 13.70% | 19.52% | -5.82% | 35th below |
| Total Capital Ratio | 14.96% | 20.61% | -5.65% | 37th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.67% | 12.14% | -0.47% | 61st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.30% | 11.36% | -0.06% | 64th above |
| TCE / Tangible Assets | 11.30% | 11.08% | +0.22% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.38% | 80.65% | +18.73% | 12th bottom |
| Core Deposit Ratio | 83.70% | 86.85% | -3.15% | 26th below |
| Wholesale Funding Ratio | 3.49% | 5.04% | -1.55% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -9.98% | 6.85% | -16.83% | 2nd bottom |
| Loan Growth (Y/Y) | 20.73% | 7.91% | +12.82% | 93rd top |
| Deposit Growth (Y/Y) | -11.91% | 6.30% | -18.21% | 1st bottom |
See Partners Bank of California's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Partners Bank of California, 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 Partners Bank of California profile, how to read a UBPR, or how this data updates.