PCB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks PCB Bank of Los Angeles, 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 | 1.26% | 1.46% | -0.20% | 48th below |
| ROAE | 11.11% | 12.72% | -1.61% | 42nd below |
| Net Interest Margin | 3.31% | 3.85% | -0.54% | 26th below |
| Efficiency Ratio | 48.05% | 57.42% | -9.37% | 80th top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.87% | 1.88% | -0.01% | 61st above |
| Yield on Earning Assets | 6.02% | 5.72% | +0.30% | 77th top |
| Cost of Funds | 3.02% | 2.01% | +1.01% | 8th bottom |
| Net Interest Spread | 2.27% | 3.18% | -0.91% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 1.00% | -0.70% | 73rd above |
| NPA / Total Assets | 0.25% | 0.76% | -0.51% | 69th above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 74th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.18% | 1.31% | -0.13% | 55th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 398.37% | 543.55% | -145.18% | 77th top |
| Texas Ratio | 2.06% | 7.40% | -5.34% | 76th top |
| Provision / NCO | 2400.00% | 615.77% | +1784.23% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.35% | 17.34% | -3.99% | 47th below |
| Tier 1 Ratio | 13.35% | 17.37% | -4.02% | 47th below |
| Total Capital Ratio | 14.58% | 18.42% | -3.84% | 48th below |
| Leverage Ratio | 11.54% | 11.44% | +0.10% | 70th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.20% | 11.34% | -0.14% | 63rd above |
| TCE / Tangible Assets | 11.18% | 10.50% | +0.68% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.04% | 86.94% | +13.10% | 18th bottom |
| Core Deposit Ratio | 63.61% | 85.58% | -21.97% | 5th bottom |
| Uninsured Deposit Ratio | 47.93% | 33.10% | +14.83% | 11th bottom |
| Wholesale Funding Ratio | 2.59% | 5.71% | -3.12% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.98% | 9.69% | -4.71% | 49th below |
| Loan Growth (Y/Y) | 4.69% | 8.06% | -3.37% | 45th below |
| Deposit Growth (Y/Y) | 3.58% | 7.88% | -4.30% | 41st below |
See PCB Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock PCB 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 PCB Bank profile, how to read a UBPR, or how this data updates.