Silvergate Bank
La Jolla, CA · Cert 27330 · Peer group: banks under $1B in assets (n=608-615)
FDIC · 2 branches
Q2 2024
$202.3MAssets
n/aLoans
n/aDeposits
$139.4MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 98% of banks under $1B in assets (rank 15 of 614).
- Widest gap: efficiency ratio trails 100% of banks under $1B in assets (rank 614 of 614).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-73.83%
Rank 615 of 615
Net Interest Margin
1.68%
Rank 591 of 608
Efficiency Ratio
1150%
Rank 614 of 614
Equity / Assets
68.91%
Rank 41 of 614
Non-interest income vs. expense
Unfavorable gap of $153.6M · efficiency ratio beats 0% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -73.83% | 0.38% | 0.78% | 1.22% | Beats 0% | 615 / 615 | |
| Return on Equity | -107.13% | 4.20% | 7.94% | 12.05% | Beats 0% | 613 / 614 | |
| Net Interest Margin | 1.68% | 2.66% | 3.18% | 3.74% | Beats 3% | 591 / 608 | |
| Efficiency Ratio | 1150% | 61.61% | 72.96% | 85.16% | Beats 0% | 614 / 614 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 345% | 11.66% | 14.13% | 19.83% | Beats 98% | 15 / 614 | |
| Total Risk-Based Capital Ratio | 345% | 12.30% | 15.08% | 20.79% | Beats 98% | 15 / 614 | |
| Equity / Assets | 68.91% | 7.99% | 9.79% | 12.86% | Beats 93% | 41 / 614 | |
| Liquidity & Funding |
| Loans / Deposits | n/a | Not reported for this institution |
| Loans / Assets | n/a | Not reported for this institution |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |