US Metro Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks US Metro Bank of Garden Grove, 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 | 1.02% | 1.46% | -0.44% | 31st below |
| ROAE | 10.14% | 12.72% | -2.58% | 33rd below |
| Net Interest Margin | 3.50% | 3.85% | -0.35% | 35th below |
| Efficiency Ratio | 58.76% | 57.40% | +1.36% | 49th below |
| PPNR / Avg Assets | 2.05% | 1.88% | +0.17% | 72nd above |
| Yield on Earning Assets | 6.17% | 5.72% | +0.45% | 81st top |
| Cost of Funds | 2.94% | 2.02% | +0.92% | 9th bottom |
| Net Interest Spread | 2.60% | 3.18% | -0.58% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.54% | 1.00% | +0.54% | 17th bottom |
| NPA / Total Assets | 1.50% | 0.76% | +0.74% | 12th bottom |
| NCO / Avg Loans | 0.49% | 0.43% | +0.06% | 9th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.31% | -0.04% | 66th above |
| ACL / NPLs (Coverage) | 82.05% | 543.65% | -461.60% | 21st bottom |
| Texas Ratio | 13.74% | 7.39% | +6.35% | 14th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 159.05% | 618.95% | -459.90% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.35% | 17.34% | -4.99% | 31st below |
| Tier 1 Ratio | 12.35% | 17.37% | -5.02% | 30th below |
| Total Capital Ratio | 13.60% | 18.42% | -4.82% | 32nd below |
| Leverage Ratio | 10.42% | 11.44% | -1.02% | 48th below |
| Equity / Assets | 9.84% | 11.34% | -1.50% | 40th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.83% | 10.50% | -0.67% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.40% | 86.95% | +8.45% | 28th below |
| Core Deposit Ratio | 67.82% | 85.57% | -17.75% | 7th bottom |
| Uninsured Deposit Ratio | 47.70% | 33.11% | +14.59% | 11th bottom |
| Wholesale Funding Ratio | 1.52% | 5.71% | -4.19% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.98% | 9.68% | +3.30% | 84th top |
| Loan Growth (Y/Y) | 11.53% | 8.05% | +3.48% | 78th top |
| Deposit Growth (Y/Y) | 12.23% | 7.87% | +4.36% | 81st top |
See US Metro Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock US Metro 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 US Metro Bank profile, how to read a UBPR, or how this data updates.