BlastPoint's Banking Scorecard
Bank of Stockton
Stockton, CA
21 branches across CA
Bank of Stockton has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 27.2% in tier
- + Nonperforming Asset Ratio 0.63% below tier average
- + Efficiency Ratio 13.31% below tier average
- + Delinquency Rate 0.80% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.18% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.8B
+6.2% YoY
+1.2% QoQ
|
+$2.0B |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
85% |
| Total Loans ? |
$2.4B
+4.2% YoY
-0.5% QoQ
|
+$412.1M |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$3.8B
+4.7% YoY
+0.5% QoQ
|
+$1.4B |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
83% |
| Return on Assets ? |
4.57%
+3.4% YoY
+95.1% QoQ
|
+3.21% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Top 1.1% in tier |
| Net Interest Margin ? |
3.63%
+13.1% YoY
+6.1% QoQ
|
-0.18% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
47.75%
-6.0% YoY
-10.4% QoQ
|
-13.31% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
84% |
| Delinquency Rate ? |
0.09%
-63.0% YoY
+6.9% QoQ
|
-0.80% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Top 10.3% in tier |
| Loan-to-Deposit Ratio ? |
63.30%
-0.5% YoY
-1.0% QoQ
|
-20.90% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 10.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.63%
-0.8% YoY
-2.8% QoQ
|
+6.34% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.04%
-63.7% YoY
+5.1% QoQ
|
-0.63% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Top 7.9% in tier |
| Tier 1 Capital Ratio ? |
18.02%
+0.5% YoY
-0.4% QoQ
|
+2.86% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
Top 11.7% in tier |
| Non-Interest Income / Assets ? |
0.15%
+5.3% YoY
-74.1% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
55% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.