United Pacific Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Pacific Bank of City of Industry, CA against its peer group of 2672 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 | 0.45% | 1.34% | -0.89% | 12th bottom |
| ROAE | 2.62% | 13.32% | -10.70% | 8th bottom |
| Net Interest Margin | 4.20% | 3.93% | +0.27% | 64th above |
| Efficiency Ratio | 84.81% | 61.14% | +23.67% | 10th bottom |
| PPNR / Avg Assets | 0.65% | 1.68% | -1.03% | 11th bottom |
| Yield on Earning Assets | 6.76% | 5.67% | +1.09% | 92nd top |
| Cost of Funds | 3.11% | 1.88% | +1.23% | 4th bottom |
| Net Interest Spread | 3.51% | 3.32% | +0.19% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.94% | -0.81% | 70th above |
| NPA / Total Assets | 0.10% | 0.70% | -0.60% | 69th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.63% | 1.28% | +0.35% | 85th top |
| ACL / NPLs (Coverage) | 1290.77% | 1538.72% | -247.95% | — |
| Texas Ratio | 11.13% | 7.33% | +3.80% | 19th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.39% | 12.14% | +5.25% | 93rd top |
| Equity / Assets | 16.89% | 11.37% | +5.52% | 93rd top |
| TCE / Tangible Assets | 15.85% | 11.09% | +4.76% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.53% | 80.63% | +17.90% | 13th bottom |
| Core Deposit Ratio | 72.68% | 86.86% | -14.18% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.25% | 6.85% | +1.40% | 76th top |
| Loan Growth (Y/Y) | 18.62% | 7.90% | +10.72% | 91st top |
| Deposit Growth (Y/Y) | 9.96% | 6.29% | +3.67% | 83rd top |
See United Pacific Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Pacific 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 United Pacific Bank profile, how to read a UBPR, or how this data updates.