Tustin Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tustin Community Bank of Tustin, CA against its peer group of 536 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 | 1.02% | 3.14% | -2.12% | 49th below |
| ROAE | 6.64% | 10.43% | -3.79% | 39th below |
| Net Interest Margin | 6.10% | 3.93% | +2.17% | 98th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 75.89% | 76.30% | -0.41% | 39th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.38% | 1.40% | -0.02% | 57th above |
| Yield on Earning Assets | 8.23% | 5.34% | +2.89% | 99th top |
| Cost of Funds | 2.37% | 1.70% | +0.67% | 18th bottom |
| Net Interest Spread | 5.43% | 3.31% | +2.12% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.41% | 0.10% | +0.31% | 6th bottom |
| ACL / Total Loans | 3.09% | 1.48% | +1.61% | 94th top |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 100.00% | 315.64% | -215.64% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 15.46% | 17.61% | -2.15% | 67th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 15.41% | 16.43% | -1.02% | 68th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 15.41% | 16.18% | -0.77% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.15% | 72.76% | +28.39% | 8th bottom |
| Core Deposit Ratio | 85.68% | 88.22% | -2.54% | 26th below |
| Wholesale Funding Ratio | 3.47% | 5.29% | -1.82% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.00% | 4.30% | +2.70% | 73rd above |
| Loan Growth (Y/Y) | 12.47% | 6.71% | +5.76% | 82nd top |
| Deposit Growth (Y/Y) | 9.76% | 3.76% | +6.00% | 84th top |
See Tustin Community Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tustin Community 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 Tustin Community Bank profile, how to read a UBPR, or how this data updates.