Universal Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Universal Bank of West Covina, CA against its peer group of 2757 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 | 0.33% | 1.25% | -0.92% | 8th bottom |
| ROAE | 1.90% | 13.17% | -11.27% | 6th bottom |
| Net Interest Margin | 2.98% | 3.95% | -0.97% | 9th bottom |
| Efficiency Ratio | 84.11% | 61.50% | +22.61% | 9th bottom |
| PPNR / Avg Assets | 0.47% | — | — | 7th bottom |
| Yield on Earning Assets | 5.30% | 5.67% | -0.37% | 35th below |
| Cost of Funds | 2.72% | 1.87% | +0.85% | 10th bottom |
| Net Interest Spread | 2.31% | — | — | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.56% | 0.93% | +2.63% | 4th bottom |
| NPA / Total Assets | 2.40% | — | — | 5th bottom |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 90th top |
| ACL / Total Loans | 1.08% | — | — | 36th below |
| ACL / NPLs (Coverage) | 30.28% | — | — | 3rd bottom |
| Texas Ratio | 14.04% | 6.06% | +7.98% | 11th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.80% | 11.75% | +6.05% | 94th top |
| Equity / Assets | 17.21% | 10.98% | +6.23% | 93rd top |
| TCE / Tangible Assets | 17.21% | — | — | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.08% | 80.44% | +14.64% | 18th bottom |
| Core Deposit Ratio | 64.50% | 86.95% | -22.45% | 3rd bottom |
| Wholesale Funding Ratio | 10.05% | — | — | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.50% | — | — | 71st above |
| Loan Growth (Y/Y) | -6.72% | — | — | 4th bottom |
| Deposit Growth (Y/Y) | 3.38% | — | — | 45th below |
See Universal Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Universal 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 Universal Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Universal Bank peer analysis.