State Bank of India (California): Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of India (California) 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 | 0.84% | 1.46% | -0.62% | 20th bottom |
| ROAE | 6.24% | 12.72% | -6.48% | 13th bottom |
| Net Interest Margin | 2.75% | 3.85% | -1.10% | 8th bottom |
| Efficiency Ratio | 58.79% | 57.40% | +1.39% | 49th below |
| PPNR / Avg Assets | 1.20% | 1.88% | -0.68% | 23rd bottom |
| Yield on Earning Assets | 5.50% | 5.72% | -0.22% | 48th below |
| Cost of Funds | 3.18% | 2.02% | +1.16% | 5th bottom |
| Net Interest Spread | 1.97% | 3.18% | -1.21% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.11% | 1.00% | +0.11% | 29th below |
| NPA / Total Assets | 0.95% | 0.76% | +0.19% | 27th below |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 59th above |
| ACL / Total Loans | 1.32% | 1.31% | +0.01% | 73rd above |
| ACL / NPLs (Coverage) | 119.42% | 543.58% | -424.16% | 37th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.47% | 7.39% | -0.92% | 38th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 540.54% | 618.65% | -78.11% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.94% | 17.34% | -1.40% | 78th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.94% | 17.37% | -1.43% | 77th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.19% | 18.42% | -1.23% | 79th top |
| Leverage Ratio | 14.05% | 11.43% | +2.62% | 90th top |
| Equity / Assets | 13.51% | 11.33% | +2.18% | 87th top |
| TCE / Tangible Assets | 13.51% | 10.50% | +3.01% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.13% | 86.95% | +13.18% | 17th bottom |
| Core Deposit Ratio | 63.99% | 85.57% | -21.58% | 5th bottom |
| Uninsured Deposit Ratio | 42.20% | 33.12% | +9.08% | 21st bottom |
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. | 6.02% | 9.68% | -3.66% | 56th above |
| Loan Growth (Y/Y) | 3.94% | 8.06% | -4.12% | 41st below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.95% | 7.87% | -1.92% | 58th above |
See State Bank of India (California)'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of India (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 State Bank of India (California) profile, how to read a UBPR, or how this data updates.