State Bank of India (California)
Los Angeles, CA · Cert 23998 · Peer group: banks $1B-$10B in assets (n=322-328) · State Bank of India
State charter, non-member · FDIC · 8 branches
Q2 2026
$1.4BAssets
$1.2BLoans
$1.2BDeposits
$186.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 87% of banks $1B-$10B in assets (rank 43 of 328).
- Widest gap: net interest margin trails 87% of banks $1B-$10B in assets (rank 286 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.09%
Rank 208 of 328
Net Interest Margin
2.73%
Rank 286 of 328
Efficiency Ratio
56.55%
Rank 130 of 328
Equity / Assets
13.51%
Rank 43 of 328
Non-interest income vs. expense
Unfavorable gap of $20.0M · efficiency ratio beats 61% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.91% | 1.22% | 1.52% | Beats 37% | 208 / 328 | |
| Return on Equity | 8.05% | 8.43% | 11.45% | 14.43% | Beats 21% | 259 / 328 | |
| Net Interest Margin | 2.73% | 3.03% | 3.45% | 3.83% | Beats 13% | 286 / 328 | |
| Efficiency Ratio | 56.55% | 51.61% | 59.56% | 67.53% | Beats 61% | 130 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.11% | 0.24% | 0.51% | 1.03% | Beats 24% | 247 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 84% | 53 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 15.94% | 11.75% | 13.15% | 15.47% | Beats 80% | 67 / 328 | |
| Total Risk-Based Capital Ratio | 17.19% | 12.63% | 14.15% | 16.46% | Beats 81% | 62 / 328 | |
| Equity / Assets | 13.51% | 9.15% | 10.33% | 12.01% | Beats 87% | 43 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 100.13% | 76.63% | 87.92% | 95.36% | 87th pctl | 43 / 323 | |
| Loans / Assets | 85.55% | 65.18% | 74.15% | 79.98% | 92nd pctl | 25 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |