Savings Bank of Mendocino County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Savings Bank of Mendocino County of Ukiah, 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 | 1.16% | 1.46% | -0.30% | 40th below |
| ROAE | 8.47% | 12.72% | -4.25% | 22nd bottom |
| Net Interest Margin | 3.69% | 3.85% | -0.16% | 49th below |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 58.00% | 57.41% | +0.59% | 51st above |
| PPNR / Avg Assets | 1.53% | 1.88% | -0.35% | 38th below |
| Yield on Earning Assets | 4.45% | 5.72% | -1.27% | 6th bottom |
| Cost of Funds | 0.89% | 2.02% | -1.13% | 96th top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.14% | 3.18% | -0.04% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.56% | 1.00% | +1.56% | 7th bottom |
| NPA / Total Assets | 1.49% | 0.76% | +0.73% | 12th bottom |
| NCO / Avg Loans | -0.03% | 0.43% | -0.46% | 95th top |
| ACL / Total Loans | 2.48% | 1.31% | +1.17% | 98th top |
| ACL / NPLs (Coverage) | 96.92% | 543.58% | -446.66% | 28th below |
| Texas Ratio | 9.51% | 7.39% | +2.12% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.93% | 11.43% | +6.50% | 97th top |
| Equity / Assets | 14.42% | 11.33% | +3.09% | 92nd top |
| TCE / Tangible Assets | 14.42% | 10.50% | +3.92% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.22% | 86.96% | -14.74% | 83rd top |
| Core Deposit Ratio | 93.78% | 85.55% | +8.23% | 78th top |
| Uninsured Deposit Ratio | 31.00% | 33.12% | -2.12% | 50th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.45% | 5.70% | -1.25% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.33% | 9.69% | -13.02% | 5th bottom |
| Loan Growth (Y/Y) | -1.76% | 8.06% | -9.82% | 10th bottom |
| Deposit Growth (Y/Y) | 1.38% | 7.87% | -6.49% | 25th below |
See Savings Bank of Mendocino County's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Savings Bank of Mendocino County, 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 Savings Bank of Mendocino County profile, how to read a UBPR, or how this data updates.